If not that than it might just be a demand issue.

Quote from @Tessa Tsui: You claim to have read those articles before, but you are using the wrong terminology and asking a question that is clearly answered by the resources Russell provided.

Ended off just simply putting a carpet over it.

There has to be a reason why they will not do it ? 

This seems a bit risky and too complicated, in my opinion.

Hi Olga,I have a few questions regarding your recommendations for Property Managers.

Maybe a 7 year balloon payment and maybe a 3,2,1 prepayment penalty of something. 

So the credit score is horrible (was a 822 before.

I don't think it means it is a scam, just a bit annoying.

But I’m wondering if it would be worth working with a local agent for the first one?