Can you explain how a rent-to-value ratio determines a decent rate of return?

If he had explained to me that he did not need to be there (I explicitly asked him he was going to be there) or that it was not possible to get the utilities turned on or that he could not make the appointment, it might have helped a little.

Hi Mike,Can you explain that method?

HB limits have stricter down payment requirements of 35% down or more to purchase a non owner 4 plex.I am not sure if your loan officer explained to you correctly but the reason you need that 61,500 extra is because 25% of 1,150,000 is  862,500 and since the max loan amount for a fourplex like mentioned above is 801,950.

Account Closed i just clicked on your logolink, could you explain "soft money" lending?

Can you please explain to me how Iook at ALL of the delinquent records that fit my criteria ( I'm interested in a niche target so it's not like we'll be competing for the same properties). 

But these were not explaining the "Business" or $0 down purchasing or anything like that, just explaining the laws and for someone like me it was great as it clarified a lot of stuff for me.Hope this helps!

The main reason for that (as explained by the previous posts, which I agree with) is that warranties are set up to make the warranty company money, and typically only 12% of the premium actually goes to coverage, while the rest is spent on operating costs, large commissions for sales people, marketing, etc. 

Does anyone have a good link or can explain the basics of "seasoning"?

I'll explain the many reasons over the phone sometime.