Hello Everyone, My name is Mark and I am based over in Dubai.I own a large Real Estate  company in Dubai who are the largest generator of Leads in the whole of the Region.

Some banks may go more conservative to 75% to reduce their own risk however its important to know this distinction because it could be the difference between getting the loan and not especially with people who have tight DTI ratios.My second point about the above is the "self sufficiency," rule that every is mentioning is not measured by taking 85% of gross rents to meet the entire PITIA of the property if its done in the actual underwriting guidelines you take the entire gross rents of all units and compare it to the PITIA of the property if the total monthly gross rents are the same or greater then it meets the self sufficiency tests for 3-4 unit properties.Regarding the income being above being more than the PITIA or monthly total obligation, this wouldnt happen anyway atleast on owner occupied properties because income on rental property is underwritten separately and added to income while liabilities are added as an obligation you have to qualify for.

I am my largest client, however I over 200 rental units for my clients.

The President of "one of the largest and long established multi-generational real estate companies in the area" called me into his office to explain 1031. 

There are varied employers with the largest being a small Air Force base (2200) and at least 8 other employers with 300-800 employees.  

By profession I am a sales consultant for the largest do it yourself company in the world.  

I rented out the two largest rooms to get the most income as well.  

Largest growing area of PA, lots of development in Allentown.

The largest was a 60 unit and some 20's and 30's with smaller ones mixed in.

I have a distinct feeling I am getting over-charged.