@Ryan Murdock The lowest "real" quote was 5.9%, but it seems like commercial lending is tightening up.

I do have a full-time job so I can pay the fees, but I'm disappointed to learn HMLs tighten up their guidelines.

I also invest in Tucson and found inventory tightened significantly from 2011 heading into 2012.

Real estate investors will tighten their criteria if more deals are passing through their funnel than they can possibly consider or broaden their criteria if too few are passing through.

Stop eating out, drinking, smoking, drinking $5 lattes, or whatever is wasting your money and tighten your budget.

In the 10+ years we've been house hacking, we've seen people hack a 200k condo to a 2mil dollar multifamily around Boston.Since the 08 recession, underwriting requirements have really tightened up so if you're looking for a "hard" ceiling for how much you could afford to borrow/purchase, a good lender will have an arsenal of metrics to make sure you qualify (ex.

Or perhaps many have tightened up their risk.

.: As has been stated, you cannot flat out deny, but you can establish a process and a policy that will serve to separate the pure liars from the responsible ESA handlers.You can if it is partially owner occupied......There are other exceptions, like if was rented out by the owner as opposed to a Realtor...Or if the Doctors Note is from an online (scam) source, you don't have to accept it either.I think they are tightening up on this because most ESAs are just scams.....

Tighten these numbers up with tax impactThis also keeps your property tax figure down.  

They were just beginning to tighten up the financing when our deal went through, with a 30% down payment instead of the 20% quoted at the sale.