Doesn't debt to income come into play with refinancing?

@Jorge RiveraI think the best play is a 2 bedroom you can convert into a 3 bedroom.  

Nothing was flowing into my head until the Billy Holiday song "God Bless The Child" started to play in the background.   

The fact that they led you to believe you were a "1099 employee" (again, no such thing is to be found in the tax code) leads me to suspect that they know damned well they're playing fast and loose with the rules. https://www.irs.gov/businesses/small-businesses-self-employed/independent-contractor-defined

Unless it’s a flip, value added play or a refinance that was purchased years ago during the recession.

If you play the odds, someone is bound to like what you have to say and do business with you!

I wish I knew earlier that I should have done it instead of trying to play the stock market for the first few years.

Then you can have a good idea of how it was for a new guy to get involved on a play by play basis.

I think we are going to continue to see an increase in playfulness and individuality expressed within the home.

With your area, I assume being more of an appreciation play (correct me if I'm wrong) I assume it's a market that people are more nervous about right now?