I'm fully aware of how aggressive the CA FTB is in the pursuit of revenue.I'm also comfortable taking a tax position if we have substantial authority.  

I recognize your name next to my dear friend Damaris’s all the time.

The amount of Mortgage reps, paralegals, home inspectors, permit offices, other agents, handypersons, water authority, electricians etc that all actually answer or call me back is completely different than a person who has called once or for the first time.

It proves, to both your clientele and local authorities, that you are serious about preventing crime.

The DTI could be even worst.When I had my conversation with my private banker at another bank, he recognized the problem and his take is the cookie cutter profiles they try to fit people in is not suitable to real estate investors.

If at a tax auction, you will not have clear title and the previous owner may have the right to redeem (get the property back) by paying the tax authority what your Seller paid at the auction....you lose the property and get nothing.....with no recourse against your seller.You get the drift?

For purposes of uniformity within theFifth Circuit, ''final action" shall be construed to mean entry by the Courtsof an order authorizing issuance of a writ of possession by the Clerk ofCourt and subsequent issuance of such a writ by the Clerk with respect to a foreclosure or eviction referenced in Governor's Executive Order 20-180.

They have people that are authorized to just junk anything that doesn't check their boxes. 

Its important to recognize those hidden rough areas (C-, D and F) within these rural areas which from a “non-local’s” point of view might look like a “B” but all the locals know it’s more of an area that is on the decline, fast.

My lender says I should be ok in about 6 - 8 months to go ahead and buy - I paid all my debt (except the mortgage on my original house) and got added as an authorized user to one of my granddad's credit cards with long term on time payments.