You can call multiple lenders and have the conversation where you go over current rates, terms, etc and they won't have to do a credit pull until your ready to pull the trigger.

Might be worth a conversation with @Lee Waldrop as well.

Most lenders will ask for a full application because there are so many items that come up during the application that can effect your rate and monthly payment, so most are just trying to get an accurate picture to give you a good quote. 

I asked the management company  Why it was off by so much and was told to just look at the "net other items.

When phone screening: I like to ask people if they are familiar with the area the apartment is in, it tends to spark a conversation where people reveal things about themselves: good and/or bad. 

Wilson, Your decision is based upon numerous items.

It seems that it only take one person to switch the conversation from negative to positive and then back negative or neutral.

But we have 2x months rent as deposit and if he went bust we'd get all the furnishings (I suppose he could move them all out in the middle of the night if he knew that was happening)The lease is the same as our others except two items:  He does light maintenance (leaky sink, bad outlet, etc), and we require 60 days notice for both sides vs. 30.   

While I have kept good records and receipts, I am having a difficult time figuring out what items I'm able to immediately write off as "supplies" and which need to be depreciated.Where I'm running into difficulty is things like second-hand furniture...

While I have kept good records and receipts, I am having a difficult time figuring out what items I'm able to immediately write off as "supplies" and which need to be depreciated.Where I'm running into difficulty is things like second-hand furniture...