Before the 2008 bust I had several rental homes and the money was rolling in.

If I pre-qualify someone when their rate is 3.875% and then the market reacts and drives rates up to the high 4's before it settles down.

Perhaps I can have a spread sheet for each property and then roll each of these into a 10 year summary.  

Keep me in mind when those deals start rolling in!

Pay your private lender back a pre-negotiated fee for the use of their money.

Hi @Frank Sanchez and welcomeIf you are talking about for the purchase and your own benefit, you can use whoever you want (Some people put in no contingencies at all and roll the dice).

Has anyone negotiated a pre-forclosure deal where you were able to get the homeowner and the lienholder to agree to allow you to assume the homeowners mortgage at a significantly reduced rate? 

After that, it will change with the current rates, upto a maximum of the payment for principle and interest shown on the estimate sheet.Your refi did not cost you anything, but those fees got paid by someone, likely it was rolled into the loan total or you were charged a slightly higher rate (in exchange for the lender paying the fees).  

We're pre qualified for up to $350,000. 

Offer with contingency of an approval of the rent roll and a restatement of the employment and income.To be transparent, our prospective tenants were all m/m so it would have been easy to move any of them out with a 60day notice.If you're going to manage units, you will need time to get "some seasoning" and starting off with some NOI is better than none - - again, the TK and don't be afraid to create one for yourself.