I have found that this increases the percentage that the borrower might be able to start making payments again. 2) I have a list of specific states that I buy in and don’t deviate from it.

Negotiate with tenant and keep them, instead of losing them because of a 3% rent increase, that forces turnover costs.2.

When the time comes in which the state removes all subjective decision making options for landlords many of you are going to regret voting in your big government morality police 

I believe you can increase rent at anytime with 30 day notice (in AZ we can).

I don’t know that I want to appeal anything, but I’m not thrilled about the estimated tax increase.

So if we used your 30k example, and the tax rate is around 2.8% then your increase in tax is $840.

I went back in and changed the following: - Added my acquisition financing amortization time- Increased my closing costs for the acquisition loan - Changed my purchase price to $60k to reach the target LTV you mentioned in #3- I also added in monthly holding costs which I totally spaced.

Somehow the spot will absorb and increase the heat.

Analysis over time - everything just increases 1% each year?)

If you're trying to get a conventional Fannie/Freddie loan asking another bank won't help.Your issue is they cut off at 45-50% max DTI and you are currently at 65%.You need to get rid of some debt, increase income, get a co-signer or look for non-conventional lenders.