By performing the action in a rising market and evenly targeting many owners (especially those least-equipped to fight), the effects were likely diffuse enough to deter potential takings claims.

Our government encourages shopping around with different lenders, so if the credit report is obtained by multiple mortgage companies within a close time period---let's say a month, the effect on the credit score will be minimal.

Stay active on the site and engage the community.

I also got engaged and turned 27 last week, which has been nothing short of wonderful.

The vaccine is not 100% effective or even close to that...too many unknown variables to trust any Government right now.

They decided the rebuild value when the policy was put in effect, I paid the premiums based on the amount (which was 4 times higher than my purchase price). 

No sense creating bad blood over the same net effect.

“For Borrowers with gaps in employment of six months or more (an extended absence), the Mortgagee may consider the Borrower’s current income as Effective Income if it can verify and document that…the Borrower has been employed in the current job for at least six months at the time of case number assignment; and…a two year work history prior to the absence from employment using standard or alternative employment verification.”In summary: if first option doesn't work, see if you can go back before basketball to have your employer complete a Verification of Employment (VOE) for the lender - or round up old W2's (the lender will still want a VOE).

Shankar,I'm not sure that you can put an expected number on the yields in Marion County since each deal and neighborhood have a lot of variables that will effect the yield.  

I am the Community Engagement Specialist here at BiggerPockets, as well as a DFW local.