With the higher inventory we are seeing and the rates staying where they are, I think it's a solid time for a buyer to get a deal from a seller that is struggling to get their pricepoint due to too much listing competition and high buyer skepticism. 

Hindsight is great, but why use a company with an F rating by the BBB? 

What if the rate goes higher? 

Because of material participation I can deduct that $350k vs other income.Using combined federal and state tax rate of 40% x $350k = $140k in immediate tax savings.

Tell them that you're helping out the homeowner and have the funds to bring the loan current.

Is the return on the use of the funds worth that risk? 

Personally I’ve never done the binder method and made a tenant multiple rent options, I’ve just set the new rate and sent it out to them via certified mail with a start date of the new rental amount 2 months out so they have time to move out if they want to.

I find that it's very rare that a lender will actually close at this amount of leverage because they would typically be putting up a much larger amount of funds than the property would be worth at the time.Has anybody actually worked with a lender that did fund based off of the LTARV?

Could have sent Rate increases out prior to using Rent Roll for future revenue stream. 

But I'd take anyone's prediction on rental rates with a grain of salt and more than a dash of "show me".