Use the Rentalizer and the Overview reports.Generalo No first-time investorso Declining market (value): When a declining market is identified by the underwriter or listed on the appraisal, the max LTV is 65%o Declining market (rent):      When declining market rent is identified by the underwriter or listed on the appraisal, one of the following must occur: Reduce the LTV to 65%; OR Achieve a Minimum 1.25 DSCR Ratio • Income:o STR Income – Purchase and Refinance Transactions Applies to all transactions using short-term rental income      A 5% LTV reduction applies to all loans qualified with short-term rental incomeo DSCR Calculation Monthly Gross Rents based on a 12-month average to account for seasonality required Refinance Transaction: 12 months (or 6 months minimum, if owned less than 12 months) used and averaged accordingly Extraordinary Costs: Use actual extraordinary costs (i.e., management fees, advertising, furnishing, cleaning) listed on the 3rd party management/rental statement; OR Use the gross rents reduced by 20% to reflect extraordinary costs (i.e., management fees, advertising, furnishing, cleaning) associated with operating short-term rental property compared to non-short-term property, if actual not providedNOTE: (Gross Rents X 0.80) ÷ PITIA = DSCR• Documentation:Either of the following methods can be used to determine gross monthly rental income.

Very frustrated... we have fair-poor credit, excellent employment, and want to buy a house $399k, can put up to 20% down, buying a primary residence, but cannot get even a pre-approval letter.  What are we doing wrong...

Now cities like Las Vegas are seeing a price decline (7.2%). 

In the last 9 months, values have declined in some areas 50-60%, but in others only maybe 10-15%.

I am aware of successful wholesaling operations in B markets doing well with direct mail, but I also believe the trend is shifting away from direct mail and its effectiveness will continue to decline.

However, it's difficult to predict exactly what the market will look like in the future.Some potential questions to consider include:Will home prices continue to rise at the same rate, or will there be a slowdown or even a decline?

Living in a market that has seen a decline in home values for the better part of the decade, we thought we might as well strike while the iron is hot.

But I know that brick and mortar real estate for both Office and commercial use is on the decline.

IF the last 6 months trends showed massive decline month over month then current months solds would net help either.

However, there is a possibility where my application for OCS might be declined (it's a long story) and therefore I would stay in Fairbanks for the next 3 years.Let's just say, I purchase a property tomorrow using the VA loan and 4 months later I get sent away for OCS.