Even though dividend rates can be reasonably higher than, say, savings accounts in this low interest rate environment and that they’re uncorrelated to the stock market, what about the cost of insurance offsetting these dividend rates?

Use an attorney that understands real estate.we never wrapped a bank loan only seller carry back.. you could do that back in those days were there were tons of seller carry mortgages because of the environment we were in. 

I can tell you, what works right now in the DSCR environment are duplexes, triplexes, and quads. 

What is important is that we invest in our environment and produce an environment of contribute to the creation of an environment that is lasting and of benefit for all otherwise we are doomed to fail. 

I took the Broker's test maybe 10 years ago and that was in Los Angeles in a controlled classroom environment. 

Or spending the time with htose that can teach you the pitch... there is really only so much you can learn reading on the internet... for sales skills and techniques which is what you need ... this is best done in a live class room environment so you can practice and listen to others ..

I rent to section 8 and if they have one eviction I won’t rent to them even if the voucher will pay 100% because it’s a mindset.Yes winter time is harder to rent.... especially in cold weather environments....I deal with that in Cleveland and the tenant pool is very slim at this time of year. 

Nevertheless, from the sound of it, your loan officer or his/her team have dropped the ball in communicating with you properly and setting expectations for how to go from A-Z; especially in this environment where almost every lender or broker are experiencing a bit of a clogged pipeline due to the low interest rate environment.  

I think it was this, just going a little above and beyond, especially in a C/D environment that I worked in went a very, very long way with building a strong relationship with my tenants. 

In the current environment, it is almost impossible to always get that number correct.