But at what point does the investor step back and say "Ok, I'm crossing the line from 'Getting a good deal' to 'Screwing someone literally our of house and home' "?

Still better than hard money or commercial, but it's literally the 'worst case' interest rate pricing of all scenarios.

Literally any question you have on any aspect of real estate investing can be answered here.

@Shawn Ackerman  thank you for the polite back and forth.again I think we are 97% on the same pageI will just mention though that a financing contingency is not the same as tieing something up with the hopes of selling it.. we see sale fails a lot the last few years .. when financing is turned down literally days before closing.. but its legit..

You're literally lining your self up to end up on an episode of American Greed one day.

Hi @Jake Serdar...I literally just spent the last hour reading blog posts on the site about buying off market apartment buildings.

I'm literally blown away by all the content these speakers are offering at Note Camp 2.0.

I'll reach out to you in the "immediate" near future , and  @Charlie MacPherson, I am literally 3 min's from the longmeadow boarder, so to be honest I am thinking of looking into MA as well.

Hi Bill, Thanks for the advice i'm literally learning a lot everyday.

It should be very clear to you if that rental income is or isn't being counted.If the lender can't show you that simple math, then it's likely that either they have deal-killing overlays, or they are over-reliant on glitchy software (which can also be a deal killer, I've literally had to walk underwriters through manual math to convince them that mortgage software doesn't understand mortgages, so here you are with the old fashioned math making it work right in front of you that I've provided yielding a 32.388% DTI and not the 74% that the software is spitting out, now go spend an hour on the phone with tech support to fix the software, and I look forward to the updated loan approval email in my inbox once you've done that and the software reflects 32.388% DTI, thanks).Basically: "Show me your old fashioned back-of-envelope math, or GTFO."