I can't deny that it seems like everything new these days doesn't seem to last, but boy would I also love to avoid the headache of having to replace a 24-year-old furnace in dead winter.FWIW, I've spoken to a handful of HVAC contractors.

I don't deny there may be some value in some of them.

So unlike all cash, where you may not bother to get an ARV appraisal with projected future rental income, you cant close on a deal that makes no sense, the lender  will deny the loan if the numbers don't work.  

Ask them if the initiation fee goes toward the down payment or the origination points and ask if it is refundable if your loan request gets denied.

but if it's cameras you can bet those vacancy rates will go sky-high as tourists opt for hotels where they can sleep, dress and knock boots in private.Although, Representative Kavanagh has stated this bill is to target the “major abusers” who host parties and large events in properties that are not intended for that use.

My policy is "first qualified applicant".As far as how to deny someone, if you have a firm screening policy then it is easy to deny.

If your property does not have enough square footage to support a habitable unit, it will be denied due to code violations.

@Tanija Hudson  Ask the Loan Officer for the exact reason you were denied and, as recommended by @Gregory Chadwell, ask for a copy of your credit report. 

They are giving me the runaround and denied my application, saying that my Debt to Income ratio is too great.

Leak wasn’t a gusher, just a few little drops every 8-9 mins… Also is the toilet wax ring/bolts/supply line replacement- which was not due to misuse or abuse or damages, just age-the responsibility of the moved-out tenant to pay (taken out of security deposit)?