Armed with that information, you can approach your preferred lender to see if it will give you a break.The mortgage industry is competitive and many lenders do have wiggle room in terms of the fees that they pass on to you.

Here portfolio lenders are better on Jumbo and Arms, but not the rest. 

After all, adding back an explicitly stated depreciation seems to be a no-brainer, plus my example shows that the actual expense deduction was a bigger tax deduction anyway. 

I bought my first home in 2011 for 45k with an arm.

If it is I don't think you can use the money to fund your own business endeavors from your 401K,  it has to be an arms length transaction.  

There are a few who are truly great at STR lending and don't charge you and arm and a leg to get them financed. 

family offices are basically very well to do families that have an investment arm.. 

Yesterday we received notice that the ESA (a pitbull) attacked the next door resident's kid and scratched her on the arm as well as growled in her face.

When I was on a I-94, I couldn't work for anyone but the school, and you would need explicit paperwork authorizing you to work.So I am  not an immigration specialist by any means, but without some sort of US ID, I doubt you can do business here.

 $20K feels like the right number.Barring an actual non-payment or explicit evidence of illegal activity, You should not fight with the tenant.