@Dennis GallagherIt's my understanding that the "Income-Expense Ratio" primarily use operating expenses as the expense variable, which includes costs like utilities, property taxes, insurance, maintenance, repairs, property management fees, and trash removal, all of which are considered when calculating a property's operating expense ratio (OER).You calculate OER by dividing the total operating expenses by the gross operating income of a property.

We removed a chimney to open up the space and updated all the major ticket items—new electrical, HVAC, and roof.

My firm's office is based out of Yonkers also. 

If they are able to remove the term it will be dependent on the loan underwriting requirements, not because they want to keep you as a banking customer.

I've never been successful in getting any of the SCAM advertisements removed. 

I think flipping is the way to go on this project since it’s my first deal which has always been the plan but very grateful for some guidance. 5 weeks of tear out, wall paper removal 🙃, new electrical, deck supports, HVAC install…we start putting it back together!

Myself I firming believe Norada needs to issue those shares at what ever valuation they are so they at least honor that part of the contract.

Since my tax guy is of no use, I reached out to a friend who works for a different tax group/CPA and this new firm was kind enough to look into my predicament.

The question is what to do with it.I'm a firm believe in starting small. 

@Samantha Springs Here are some options to help lower the mortgage without refinancing that is worth considering:1. ask your lender to remove the PMI, if you have one, that would help reduce the mortgage.