Hello Ethan,I think the main difference between traditional banks and credit unions are their guidelines, most credit unions are manual underwriting, because they are using their own money and keeping the loans. 

These are great and very helpful.My background is in data analytics, and though not super handy, I obviously could do any manual leg work necessary. 

Although the project was successful, there were minor delays that required quick adjustments.

It's worth noting that while the VA allows for a loan assumption, you'll need to qualify based on your single income (adjusted for any child support or new debts since the original purchase).

Here are a few points to get the discussion started:Adjusting Business Practices: How are you planning to adjust your practices to comply with the new rules, especially regarding off-MLS compensation negotiations?

When providing a lease renewal we provide 4 options - sign a 1 year lease for a lower increase, sign a month to month at a higher increase, submit a move out notice if you wish not to renew, or choose to do nothing and receive the highest rent increase (with a clause that once they select from the other 3 options the rent amount will be adjusted accordingly not not made retroactive)

Regularly review financials, adjust pricing, and focus on guest experience.

If out of choice, the 10 year yield should drop another 75 to 100 basis points, bringing the mortgage rates down, and if we go into recession then they will cut out of necessity bringing the 10 yr yield down 150 to 250 basis points at least, and also leading to rising unemployment and declines in property values, although HCAD will take their sweet time to adjust as always. 

We use pricelabs to adjust the rent, which seems to be up about 10% overall. 

I am constantly learning new things and I will continue to adjust my strategies and processes based on experiences I have as time goes on.