Especially as we go into a winter session where sales start to slow down and purchase prices decrease.

You can test how confident she really is in her friend’s ability to pay by asking if she’d be willing to co-sign for him, just to gauge her response.

2) Which member(s) have decision making responsibilities?

I have done this  in the past but also require a lease break fee in addition to them being responsible for all rent until their lease expires.

Account Closed, thanks for your response!

My c class efficiencies stayed pretty full, but I had more slow/no pays and headaches than normal.

I'll consider slowing down much later.Anyways, that's a bit about me.

Email this loan officer or account executive several questions (at least 7) and see how detailed and quick there response is.The type of questions you ask really do not matter, you are giving them a test.  

It just seems there might be a PM that is more responsive especially if I’m paying 12%?

I usually burn through them at 2x speed, but I'll back up and slow them down for something that sounds particularly enlightening.