Numerous cases I've seen square footage being overrepresented by anywhere from 300-500 square feet.

@Eric Moreno Are you national guard?

@Brad Singer because I'm a foreign national, not sure how it would work. 

@Andrew Syrios and @Brandt TingenThere are numerous refinance products on the market that will go to 70% (some don't even require income verification if your DCR or D/R is too tight to go full doc) and some even to 75%.  

One thing that irks me is that there is no national standard between the counties regarding the accessibility of their data.

I did a refi with a national lender in August who was good to go at 75% LTV, then just before closing told me that they were not aware that it was a rural property, based on the appraisal and thus lowered their offer to 65%LTV.

Mine just doubled from last year due to the disasters the nation has faced.Maintenance and repairs (these are not separate items) 5% of gross but it would be lower if you are buying a class A or B.CAPEX 2% of grossManagement fees on a SFH 10% of gross.  

When you have the option to search by name, try the big national and local banks (i.e., Bank of America, Wells Fargo, Citi, etc.).

The number of foreclosures nationally continues to decline.

New Jersey market, as well an nationally, is seeing a shortage of available inventory.