That will affect MANY borrowers, who are already miffed at the minimum $50k that seemed to be fairly standard - because there are many threads about wanting to borrow LESS!

It is standard practice to list the gross potential revenue, which of course does not account for vacancy, turnover, or any expenses.

Or is it just the standard description and emphasis on what the tenants CAN'T do?  

I've found it difficult to find what would typically meet great deal standards in Colorado, but again, I'm just starting to look.

They are very high maintenance tenants, very demanding, very destructive, having very low social standards.

@William Kusznir those HML rates are pretty standard.  

So find units that need renovations and are priced under market value due to needing extensive rehab and have him renovate to a very high standard. 

Standard house-hack.

So we wouldn't get constantly denied for plans that didn't go in accordance to city standards.

I have a board across from my desk that has all my properties and their expenses/ income on it ( Quartet dry erase planner) i can tell you right now that the " average" cost per bedroom for a house where i invest, will cost me $175 / month. so a 4 bedroom house will run me $700 to run that house ( not including mortgage) but that's taxes, insurance, water/ sewer, utilities if i pay some, garbage, maintenance ( snow and lawn), leasing fee, and PM %. so when i look at a house to buy, i can do a quick analysis of it based on the amount of bedrooms and what my mortgage would be if i would make money, those are my standard " hard costs". yes if someone has to go there and do work, if its a contractor or one of their handyman, you will get charged for it, and that would come out of the money you allowed for such maintenance.