It becomes a representation made by a borrower.Lenders have read the book, they know where the fudge is, they can see through embellishments, especially in RE valuations unless an appraisal is supporting claims, and it's rarely critical to see equity in other properties, if it gets to that point, it's not a very strong application.Your best approach is not to dress up statements.

No bad areas.I know this seems counterintuitive but it's critical as tons of these props maybe 90% are in bad areas.

Let's use the quote I pasted above as my case in point.EDIT: I had posted a long criticism of the math you posted above, but in retrospect, criticizing what you wrote above insinuates that I think you just made an honest mistake.

So, I don't want to feel like I'm using someone.I'm getting married in February, and while I have the full support of Future Wifey, I know that we have to keep all of this secret from her family because they are too judgmental and critical and any conversation with them ends in, "You shouldn't do that," and "why didn't you do this," etc., even when I know they have absolutely no idea what they're talking about. 

Ok, I just went thru the exercise with hubby, asking him the same question you asked me :)It looks like the most critical thing we don't have but you do, is a very reliable handyman, as well as housekeeper.

I think where deals with 8% returns generally get criticized is when the deal involves active management and that is a reasonable ceiling on the return.Getting cash flow of 1500/month on a paid off 225K property is an "8%" deal. 

Most questions required critical thinking.

HML are quicker to close, which, in many cases, can be critical.

.• Zillow gives good filters for amenities like washer and dryers• Ask your property management what is standard• SFH’s should have the tenant paying the utilities• RUBS is Reimbursement Utility Billing System• Skeptic on keyless entry soon but good for short term rentals• A lot of new hardware and software coming but lets try it out at our own homes first yea 😁• Use the technology in your rentals for tracking and monitoring• Don’t have personal relationships with your tenants• Property manager’s are the most critical people on your team and go off referrals• Yelp is just angry vendors writing bad reviews for each other• I look for the negative reviews as a good thing because they don’t want to cave in to resident requests• A nest thermostat or Thanksgiving turkey might be a good gift to bait a longer contract

If this occurs, quickly dry carpets (if carpets stay wet, notify the landlord).Use the kitchen fans when cooking.Don't run the shower to humidify you home.Avoid using humidifiers unless there is a medical reason to use one.Ensure good air environment in your home to prevent condensation on cold surfaces open windows when possible don't block supply and return registers with furniture keep a few inches of space between furniture and walls don't let parts of your home get very cold (such as closets against exterior walls)Watch what you put down drains to avoid clogging and over-flowsWhen moisture problems do occur, it is critical to quickly report the cause of moisture and to dry affected areas.