Sure, I could look for a higher paying job, but I was wondering if anyone has any creative short-term methods to improve my ratio.

Pricing higher than a bank ( if you can actually get a bank to lend you money in the first place)2.

With the bill being so much higher than the needed approval you should have been communicated with as a curtesy.

Just be sure to clarify that she isn’t a leaseholder but is authorized to reside in the unit.If you’re concerned about liability or want more peace of mind, you could ask the primary applicant for additional security, such as a higher deposit, depending on what’s allowed under Colorado law. 

I've owned a 6-unit for about 6 months now, and the water/sewer bill is higher than expected.

Otherwise, I'd say watch those areas closer to Micron understanding the barrier to entry will be significantly higher in exchange for the lower risk.

Lenders that go higher than 80% LTV will likely be more in the Prime + 1-4% range.

Transaction volumes continue to be slowed with days on market increasing, but Sellers are remaining defiant and not coming off too much of their higher prices.

BRRRR deals can be trickier to come by in these spots due to their higher demand, but the way to go is to build a solid team with local connections who can share insights and bring you deals!

Insurance would cover it, I would pay the deductible, and no assets would be lost.If you are in an area like San Diego where people are more likely to sue, a judge is more likely to find you guilty, and the payout is expected to be higher, you may consider an umbrella insurance policy.