What if you buy something subject-to and want to refinance...or are an investor that improved something 6 months ago and want to count the improvements?

With 2 most recent years experience, 680 FICO, and can count rents as income (proposed rents forpurchase – as taken from the OIS or comparable rent schedule, whichever is lower ---- or the actual rents for a refinance – as taken from the tax return). 1x30 (12 months), 0x60 (12 months), 0x90 (24 months) mortgage lates. Without landlord history. 720 FICO score, qualifying with both payments, and max debt ratio of 45%.

This contribution also counts toward an annual "required minimum distribution."

I'm closing in on ya J...you better keep your post count up ;-)

We always put 7 days in the offer to see if they'll accept that.In my experience the banks count all days whether it's a holiday, weekend, whatever.

For a typical flip that I do in the Memphis market, it cost me on average $300 a month utilities and $350 taxes and insurance, not counting the cost of money.

If there is nothing publicly out there, then you might just have to do some REAL work and measure the place for size of rooms, and count the rooms.But that's just so obvious ...

Otherwise you'll get a bunch of vague responses from people who've been here on this site from 6 months to a year but seem to respond to every post as if they were an expert in all fields just to up their post/influence count.

These were counted on my comps.

Michael:If I ever EVER start whining about managing my low-income properties I will read your post again and count my blessings......