If your wife just got her real estate license-how much does she think the home is worth both for renting and selling? 

In most cases, this is enough information to figure out if you have a deal that is going to benefit the client and make sense for them (this is assuming you can get an estimated value of the home you'll be refinancing through other means, otherwise, you might also ask them for their estimate as to what their home is worth).If you're past this point of figuring out whether it's a deal that makes sense for them and you haven't run automated underwriting to determine what documentation is being asked for, here's a pretty standard list:- 2023/2022 W2s (any/all jobs worked during these years, regardless of how long they were on the job)- Most recent mortgage statement for the loan(s) you'll be paying off- Copy of their homeowner's insurance binder or contact information for their homeowner's insurance agent so that you can request this on their behalf- Most recent pay stubs covering 30 days (typically this is the last two pay stubs)- If the property is in a homeowner's association, you'll want a recent HOA statement showing how much the borrower pays for their HOA dues- Copy of the borrower's driver's license or ID card - front and back- If your deal requires an appraisal, you may want to get payment information from the client now. 

I have since then increased my net worth to over 100k invested and completely debt free with a credit score of 745.

Around what percentage annual net collections makes renting out worth it versus just selling and money market/interest. 

Those are good questions to think through and It's worth a shot!

If you have losses that high then it is worth your money to hire a CPA to prepare your tax return.

You will want to be alert for retaliation for a while.I like to be safe so I am licensed to carry and am usually armed anyway - worth considering.

I have built hundreds of millions of dollars' worth of practice(s) and have led very large national teams.I have been in my own practice for 4+ years and am thoroughly enjoying it.

Although themed houses aren’t massively popular locally (or maybe we haven’t gotten there yet), data suggests that unique properties that offer something special or that are a different type of construction seem to becoming increasingly popular.Are you noticing the same thing?

It may not be worth the trouble and cost of selling!