thanks. you will spend more time trying to figure out whether or not its required than actually completing the form. it takes five minutes. 

Eliminate debt, establish a budget, and save.

You should only have to change when your current software has a flaw or lacking feature causing you to spend too much work on a work-around.

They're not bad people, and they do want to spend their time with loyal clients. 

It is rather difficult to make BRRRRs pencil out right now, so you should budget to leave some capital in the deal on the refinance. 

MOST people regardless if they are renters or home owners spend over 30% of their income on housing and utilities. 

Yes I spend time in Florida on a regular basis. 

This deal taught me to always budget for contingencies and reinforced the value of a great team!

That's understood.Page 19, Two faces of Debt: Federal Reserve Bank of Chicago - "banks exchange a borrower's "promissory note" or "security" for a check that other banks can deposit" (so the note is funding a check) same page states, "...the borrower can spend the deposit acquired by borrowing"... 

Well-maintained homes: Homeowners tend to spend more time and money maintaining their homes, which contributes to the overall quality of the neighborhood.