Now they will use a percentage of the Unpaid Principal Balance (UPB) of each loan.The percentages are based on the number of financed properties:2% of the aggregate UPB if the borrower has one to four financed properties,4% of the aggregate UPB if the borrower has five to six financed properties, or6% of the aggregate UPB if the borrower has seven to ten financed properties (DU only).The aggregate UPB calculation does not include the mortgages and HELOCs that are on the subject property, the borrower’s principal residence, properties that are sold or pending sale, and accounts that will be paid by closing (or omitted in DU on the online loan application).

I spent a lot of time taping up torn paper (I would use Ram Board in the future, however this would have been more expensive) and worrying about the floors.

What, specifically, are you looking for tenant tracking - basic tenant details, online applications?

I have increasingly come to the view that basic appliances are OK for a lot of applications.

Do not hesitate, to post questions and bounce ideas around in applicable forums.

@Matthew Paul the tenant lied on their application (not renting elsewhere) - they have 4 other Airbnbs going as well.

Do not hesitate, to post questions and bounce ideas around in applicable forums.

Include estimated household income on both applications but don't include both names on both applications.  

I would start by filing a Property Appraisal Protest Application with the County for each Lot.

From what I was told nothing you learn while studying is applicable in the field (sound familiar?)