John, if it's a bank it's covered by FDIC or the Office of the Comptroller, without showing the ability to repay the loan as required by regulators, as the very first consideration, you won't get a loan at any LTV.

The results from Smartmove, which provides credit, criminal and eviction reports, combined with our tenant verification via former landlords and income verification, has improved considerably the quality of our tenants.  

I do most appreciate your side of it and will take it into consideration..

(not 100% sure of the nuances of a short sale)If the sellers are in need of a short sale, they don't have the strongest negotiating position...I might ask for more time for the stated purpose, or you might have to withdraw....If they push back perhaps offer more consideration ie: maybe you put more earnest money into the pot to show how serious you are or maybe pay for an option?

I'm not an attorney but I believe you do not have to in any state, but I would check with a qualified attorney in your state on that.Contract law says you have to have consideration for a contract to be valid, and case law has determined that a "promise" to buy is consideration enough to validate the contract.

Cap gains are a consideration, future cash flows, future appreciation...

Ken B: I have been doing my letters for a couple of months & it has slowed considerably.

Someone correct me, an offset helical is like holding a gallon of milk at shoulder height with you are extended out.

Those deal with the fire codes and state that windows in a bedroom need to be within 44" of the floor and must be a certain height and width.

On the other hand, almost everyone in the suburbs and in the rural areas of Ohio has a gun, so the risks would be higher also.Another consideration that I think is important in lower income areas is to blend in.