Well, those are the rules of the game.

20+ years in the game.

it's just one of those things where buyers like to play the relevance of the "what do you have into it card" when it suits their needs.  

Hey Rachelle, welcome to the game.

I've been at this game for a while now I have the scars to prove it :)I've been reading this site whenever I get a chance so I'd like to share my experience where I can contribute, learn where I can, and network.Looking forward to becoming a member of this community.Gursel

I am new to the game and have some questions as I have recently started to question my choice in PM.

But that's a different game altogether.

I'm seeing a more aggressive stance from what is being claimed by members here on BP, such as cash out refis after 6 months, it must be in areas where property values are going back up at a faster rate in general.On the conservative side, prudent lending practices will be stressed, meaning that a lender may not do so much of those "if it makes sense, we loan it" type deals, it may be tougher for a deal to make sense.All in all, I doubt a qualified borrower will see much of a difference on the street as the new changes will be played out in the operations side of the lenders and their relationships between other lenders and securitized markets.Actually there are more aggressive measures in making a loan, the debt to income for a residential loan has gone from 36% to 43% allowing borrowers to qualify with more debt!

I am jumping into the real estate game with both feet, and I'm really interested in the benefits that multi-family properties bring.

Then I call them back, they don't answer and we play phone tag.I personally would want an agent who is working a couple days between Christmas and New Years but that's me.