That $50K likely elevated your value by $100K-$500K, based on your payback term.

Im exploring that alternative with the city.

I purchased the program based on the assumption that the skip tracing would be an integral part of the program.

Feel free to explore the BiggerPockets forums, ask questions, and connect with fellow investors who can share valuable insights based on their experiences. 

If your STR income doesn't cut it for DTI, look into alternative financing like portfolio or hard money loans.

I won’t be looking to re fi those anytime soon because my interest rates are so low with them but when I do my current lender has said they will be limiting how much they will lend based on the properties tax returns. 

I think the question that bases the shape of this argument is, how old are you? 

You denied them based on the information on their application. 

It is fairly easy to get a loan modification or other alternative to foreclosure (Assuming its Fannie/Freddie, which is still 70% of the market) these days and values are not declining so, its not like we were chasing values down like we were 08-16."

Hey Chris, my partner is actually based out of Reno, NV.