Depending on the criteria most banks use in calculating DTI this could have a negative impact on my potential HELOC applications.  

I want to hear from the most economically informed BP members about their thoughts on the slow poison of negative interest rates & how it effects our industry & investing going forward.

Just remember: most negative reviews are written by problematic tenants.

I get the concept the reality is it is a bomb waiting to go off.for all involved.. if your a well capitalized investor who can afford negative cash flow while you have to many times bring a foreclosure action against a lease option tenant that's one thing or a bank calls the loan you can refi or stroke a check.but if the person in the house stops paying and you cant service the debt.. you have a can of worms on your hands.. and the seller is going to go Bat  crazy since your ruining their credit if the underlying loan is not paid..

I don't think this will affect anything negatively for landlords.

Not too close to a very busy, dangerous road, dollar stores, liquor stores that only sell 40's, check cashing stores, army recruitment centers, industrial waste dump, etc. avoid any features nearby that will negatively effect value or restrict upward growth.   7.

Nowadays, it's often easier to give a slight credit to a customer than it is to fight with them and then have them post negative information about you and your business online. 

'Secondly, as it relates to investing, you will have trouble getting $ from private investors knowing you have a foreclosure as why would someone want to give you money if it gets negative equity.

To me I don't care what they ask as long as they are not violating the tenants rights by rental discrimination which is the highest type of discrimination in the U.S. and they have a proven business model.If I were searching for firms I would be asking for some statistical data of:Vacant days on marketEviction RateVacancy RatePercent of rent collectedTenancy retention rateTenancy lease renewal rateAs a business owner, which yes you are if you own even a single property is having the right team in place and letting them do their job as long as its tested, measured and verified by proof.Just my opinion as an investor and owner of a property management company.

If your applicant has a reason for everything negative on their report, they will most likely have a reason every time the rent is late.