lower cell phone bill.  

if they pass the phone interview 3. 

@Riki Tang you need to get on the phone with the seller’s agent and get a better understanding of their concerns.

I think it's definitely worth making a few phone calls.Another option would be (if you can afford to do so) is to pay off the lender, and do an owner carry back for a year until they can refi?? 

Unless you are specializing in the luxury market I don't think the brokerage matters....what matters is the individual.Let me know if you every want to chat over the phone or meetup locally (when it is safe to do so). 

Apparently I am not able to share hi phone number here, but I am a real person, not some Bigger Pockets alias, and you can google him or find him on the REALTOR website.

You're forgetting water/sewer, lawn care, snow removal, and admin/professional costs in your expenses.Does owner pay for trash removal in your market?

Just pick up the phone and call your lender and ask "What Mortgage Relief Programs is your bank rolling out?"  

Vrbo premier partners see the persons phone number if one was provided.I would offer a discount on longer stays.

Do you use a regular phone camera walk through or is there a specific app you recommend?