If no one is offering this it may be because no one has your brilliance and you have a great product or maybe because it is not wanted/expected. 

You will plug this number into your underwriting to see how it affects your returns.For the occupancy question, you can run the Breakeven Occupancy and Default Ratio numbers.Breakeven Occupancy is calculated by adding up the Total Operating Expenses plus Debt Service (mortgage) and dividing it by your Gross Potential Rent.Default Ratio takes the Total Operating Expenses plus Debt Service (mortgage) and dividing it by the Effective Gross Income (Gross Income plus Other Income minus Economic Vacancy including Physical Vacancy, Loss-to-Lease, Concessions, and Bad Debt).Hope this helps.

There are some pretty nice discounts on many products and services offered as Perks to BP members that you might want to check out: https://www.biggerpockets.com/perks/proThe site has quite a few tools that can be helpful for new members.

You would be surprised at the different loans and products these credit unions have.

Just send an email, physical mail and text relaying the new rate effective January 1.

Some banks may have a portfolio product with different down payment requirements but it will not be a conventional loan. 

Her mother is an addict and due to our differences we have gotten into several physical altercations which have landed us both in prison a few times, so I would like to not disclose that.

For both options the treatment will be using the same method but different product / chemical being used.

Happy to get you in touch with a couple lenders that can answer any questions you have and fill you in on the loan products they offer, shoot me a DM if you want their contact info.Great initiative, and you should be well on your way to financial freedom with that level of income!

They make most of their money from the future sale of their products, although I'm sure they make a bit off the hardware and training, as well.