Unless it is brand new construction with all utilities paid by tenants, this is very very low and even if true, not sustainable.- Also taxes at 1% (10,000 / 1,000,000) seems low but depends on the assessed value and mill rate.

Not exactly sure if this painter is the right choice- but on a quick notice, he is the best solution so far. 

As of now it's still not fixed and I'd like to take care of it sooner than later so if you have a solution for me please let me know.

Carin Kveton, find someone that will show you their numbers and math, that way this whole DTI thing isn't a mysterious black hole, but something that you actually know and understand.More than once, reviewing my numbers with borrowers, I've had them identify solutions that I didn't think about because they know their financial situation way better than me just looking at their tax returns and paperwork. 

They were pretty ignorant of possible solutions to HOA acquired property and appreciative to hear about other options that were available to them.

If something is unsustainable it won't be sustained.

( I think Steven Hamilton agrees with this) --I heard if house on "fire" then, insurance will pay who is on the title.There are a couple of different solutions to this, the one I prefer is to maintain the policy in the previous owners name (but never make a claim since the would be fraud) for the purpose of not alerting the lender of the change of title.

My business is about helping people who are in distressed situations to get a solution that is viable for everyone.

"Real Estate is always local" (So it's difficult if not impossible to determine national trends and predict the future)I think the most telling portion of the interview is that 1) no one knows what is going to happen...yes there have been sigificant gains in specific markets that are braggable but we don't know if it is sustained or not.2) Shiller was very open to rental- as a business model- is sustainable and growing.

Agents need to shift their listing presentation on how they talk to sellers about selling their home, and learn creative solutions for buyers.