It has a renter in place but selling at a great discount and all the numbers would even when inflating everything in order to err on the conservative side.If the loan payments are factored into the refinance underwriting, there is no way that the DTI ratio will work out.

I also remain as a consultant through the transaction to ensure both parties make progress. 

It'll increase your cash flow by paying off your remaining mortgage. 

@Jonathan R McLaughlin:If 9 months of rental income is needed to pay all expenses, and the remaining 3 months are profit and make up my only income and salary, and the government orders free rent for 3 months, I lose my entire year's income because the other expenses (9 months of rent's worth) is STILL DUE.

The demand will remain the same for residential rentals as our population is not changing and if anything is growing in spite of the struggles we are now facing.I still think commercial real estate can be a great investment in OKC but I think many folks get into it and are either over leveraged or have their numbers adjusted to work in a "normal" situation which we all know does not exist in our present setting.Again as always this is only my opinion and my views from seeing my small corner of the world here in OKC. 

Think about what types of homes you are looking for and who is likely to own them, then use a source such as listsource to purchase specific lists of property owners (ex: properties with no remaining mortgage owed or properties that are not owner occupied). 

The longer that loan remains on the books, the more money that Servicer makes.

When investing in hot markets the prices are inflated.

Since people do not occupy a commercial property 24/7, residual contamination may be allowed to remain provided there is no exposure pathway (e.g., soil is covered, groundwater is not used).  

I did think some of the numbers were inflated, that’s what a realtor is paid for I guess.