I then explain that I always like to do a preliminary financial analysis before viewing the property.

my point is if your BASIS is 10k plus 15k  = 25k BASIS for tax purposes.. regardless if you put a 35k loan on it... if you sold it for 39k minus your closing cost or any other write off your taxable income is the difference between 25k and your net proceeds.when you borrow above you basis this is tax deffered IE you don't pay tax on it as its refi proceeds.. ( now some do) but most don't... until you sell the asset.I think the point of the post of the OP is that the person giving the talk said that you can shelter or not pay tax on the refi proceeds and that's correct while you own it.. but not correct once you sell you must then pay tax on the True gain  IE basis and sales price as described above.

How do lenders view vacancies when calculating debt service coverage ratios?

In my view the debt markets are now more constrained due to bank regulation.

@Jonathan DragoAbsolutely not.You and any business you control are viewed as a disqualified party to your father's IRA.  

The ISSUE is understanding the VALUE of goods and services, wholesalers need to ask your Attorney General what they see as PRICE GOUGING, ask them how they view the value of any service in real estate. where a straw man never takes title, never touches it to improve it and simply flips a contract. 

They view lenders of all sizes as vile and evil. ( I have personally been to private meeting where they have said so.) 

House hacking, as Brandon likes to describe it, does seem to be an easy introduction into the world of REI.  

Would love to hear from someone who bought a house that's not seen from the streets as described in my previous post. 

I noticed the listing agent had used the google street view photo in the listing.