another letter i receive talks about "streamline refinancing" perhaps i'm just being paranoid about this all and could just ask lenders what it all means, i'm just not sure who is actually trying to help me get the best deal on my refinance and who's just trying to meet some quota.

The only annoying thing is that I collect additional information that cozy doesn't (references, bank info, etc.) which means I have a paper application + cozy.FWIW, I've allowed small dogs and cats in my unit but say they're negotiable...I don't want to disqualify an otherwise excellent tenant because they have an animal. 

@Bryan HancockIve been there ...Better times are coming Bryan in the mean time fight the good fight and keep your chin up

@Deangelo Mack, Hey there,  Do you mean that you have found a FSBO property on the website of Zillow, etc. and you want to contact them directly?  

This means that BRRRR typically works as a cash only purchase as the homes being in deplorable shape keeps out all of the buyers who are utilizing financing; thus driving down the price to allow a cash buyer to buy so low that they can utilize the BRRRR strategy. 

You can come across several value add deals that you can buy with the cash up front, perform a necessary remodel (I say necessary meaning you do not have to go above and beyond to get a full 75%-80% bank loan), occupy with a tenant and cash out refinance.

And qualifying for citizenship would mean he has a clean background.

I'd also follow-up with your PM and ask, "does this mean that I should expect a drop in vacancy every year around this time?"

That means the owner is skirting (ignoring) the zoning and renting 3 units while only 2 are permitted.

@Jay Barley driving for dollars can mean a lot of  things.