If you have properties you own outright, the lender usually will not count them.The different lenders have different practices when it comes to commercial properties.  

Buy&Hold, renting is where I am consistently looking, with the occasional flip. 

But a 620 score means you regularly miss payments, have consistent high DTI and high utilization.

Practical and comprehensive.

It would be awful to lose 160K in equity (or potential equity).The best way to convince her to move would be to offer her a practical solution / positive outcome - arrange for her to move somewhere else now and get some money from the sale of the home at closing.  

I feel like this is an absurd smoke screen for something else that Wynn is cooking up to screw us all at the benefit of her inner circle... or a distractions from the other billions of dollars she's wasted and illegal practices she's had swept under the rug.I'd better stop talking politics before things get out of hand.

I usually prefer consistency and a pattern but that is just me.  

If someone works 10 hours of overtime per week with 100% consistency, you will arrive at a number that is 100% consistent with overtime income from the last two years.

So I've been studying the state of the art, best tools & practices in Property Management, especially curious about Work Network development and proactive, preventive maintenance.What I've been surprised to discover is that the best PM platforms are full-blown accounting systems, designed to replace the likes of QuickBooks which has been so popular for so long.The thing I'm wondering is, if real estate investors are well diversified, they're probably doing a lot more than just investing in real estate.  

Just take your time and be consistent.