@Ericka Grant , the problem I have with upsizing is that many people do it as soon as they get an extra dime in their pocket. 

Powering through 3-4 BP podcasts and blogs, meeting with the aforementioned folks, and reading the UBG as well as my course textbooks is keeping me pretty busy!

Fancy smancy this and that on the presentation and extras can help you get more clients, but that doesn't help you close the deal.

Yes, it takes time and resources ... but folks will tell you that the first deal is the most important.

Plus, no need to pay for an extra few months if you’re rehabbing, etc.

For a little extra money you get peace of mind.

like I said this deal isnt really making me money it gives me a small extra amount I plan to keep in savings for cap ex etc. although the house shouldnt need anything anytime soon. 

I see many folks think becasue they have rentals they should get same rates for these high risk complicated loans.. and never get them done becasue they keep shopping and getting led down the rabbit hole with promises of funding that never arrives.. 

Stay hunting folks!

I am sure there are cookie cutter agreements for these things and that I just may be extra paranoid about ensuring that everything is safe for me.