@Michael Craig Thank you a lot.

I can also recommend some great lenders (@Michael Facchini and @Michael Barbari).Also, happy to help in anyway I can. 

I’ve heard Michael Blank reference utilizing letters of intent signed by the different investors to present to the broker.

@Michael Lutes,The short answer is this:[1] In the RM-1 district, the minimum lot area required per dwelling unit is as follows, provided that, whenever the calculation of permitted number of dwelling units results in a fraction of a dwelling unit, then the number of permitted dwelling units shall be rounded down to the nearest whole number: 325(.a) A minimum 360 sq. ft. of lot area is required per dwelling unit for the first 1,440 sq. ft. of lot area.(.b) A minimum of 480 sq. ft. of lot area is required per dwelling unit for the lot area in excess of 1,440 sq. ft.; provided that, if the green roof conditions set forth at § 14-602(7) are met, the number of units allowed is 25% greater than indicated by the foregoing lot size requirements, applied prior to the inclusion of any other applicable increases in allowable units.Click the link below for zoning use chart: (Table 14-602-1.A)https://codelibrary.amlegal.com/codes/philadelphia/latest/philadelphia_pa/0-0-0-154712#rid-0-0-0-170236You also have to check if you are located in an overlay district.

@Michael Noto, I didn't take it personal that's why I didn't bring it to her attention.

Also, if you listen to podcasts, Apartment Building Investing with Michael Blank.

Originally posted by @Michael Noto:If someone has a long track record of unstable financial history, them paying their rent for a year wouldn't really prove much for me.

Originally posted by @Michael Doherty:@Jared Maches Welcome!

@Michael A Moore Jr - the personal calculator I made to analyze deals accounts for this.  

I have found Michael Blank's material to be beneficial.