When I ask for an income report, I received a spreadsheet with multiple units. 

They have always helped me fast and have answered some of the same questions I have had multiple times with out getting upset.

You have a 200k equity buffer, so you should be able to get closer to 130k from a LTV perspective - but will your rent amount cover that new loan?

Taylor sent multiple email inquiries to our insurance provider asking what risks their policy covered.

When people take advice on here, they need to consider all things involved and not run with one perspective.

They'll have multiple carriers they can quote for you.

I have flipped multiple properties mostly land and SFH.

From this landlord's perspective, new houses suck.

Your clients should focus on properties with significant equity potential and work with experienced contractors to stay within budget and timeline—especially with borrowed funds on the line.Avoiding Bad Deals - Encourage them to work with experienced agents, contractors, or mentors and always run multiple scenarios, including worst-case outcomes, to stress-test their numbers.Reserves - Advise your clients to keep a reserve fund separate from their loan for emergencies, unexpected expenses, or delays.

I have multiple properties and am thinking of just doing non qm loans moving forward.