I was only approved for 385 based on my w-2 by broker one but broker two said I would be qualified well into the 500s bc the property has proven income.

I'm an agent/investor based near downtown LA in an area called Highland Park. 

They decided to replace the carpet for the entire apartment and send me the bill instead of just using a carpet cleaning service.

With most people having their own streaming services, we don't plan to pay for cable.

My agent says that there is a clause based on which he can dispute it and then the EMD stays in escrow for 2 years.Is the seller allowed to refuse to sign the release if he has no reason to base a dispute on?

To lower inflation its a two headed monster and the one everyone is ignoring is spending, and someone needs to buy the debt - and based on how much we are spending its leading to higher rates due to the risk. 

When we first connect with every investor, we clearly stress that they should always overestimate their expenses and underestimate their income.We don't include expenses that are variable like vacancy, repairs and capex.We offer a suggestion on what they could be based on the past but we plead with everyone to underestimate their income and overestimate their expenses.Thanks again

If I had property management I would be paying a couple thousand dollars each month for that service, then having to still pay the PM Company’s contractors at a marked up rate for every repair.

And these are base numbers.

It seems to offer both conventional loans as well as DSCR loans which you can get based on the income of the property.