@Chris Martin Thank you so much.I moved B, D, K to the bottom* since I really don't think they apply to the purchase of banknotes, but I would just like to be sure of the rest of the document's language.

Thanks @Chris Kirk.  

@Chris SackingerWhy do you feel you don't have much leverage?

I agree with @chris @Chris Mason, on getting a copy of the pay stubs helps in these types of situations. 

Chris

My name is Chris Kendall, I am 22yrs old and live in Anacortes WA.

Democratic Senator Chris Dodd is feeling the heat."

I second Chris Mason 's response there in terms of you being able to qualify as long as nothing went south.It could very well be that the underwriter didn't know how to apply the fannie mae rules for calculating DTI with an investment property OR maybe their bank had an overlay.But basically, your DTI should not take a hit when adding that property.Here is how they're supposed to calculate DTI with an investment property.1) Figure your personal debt and income side.So lets say your monthly debt payments (i.e. car payment, credit cards, PITI on your primary residence, etc) are 2k/mo.

Quote from @Chris Seveney: Quote from @Andrew Patterson: Currently have two SFH rentals and looking to jump to multifamily. 

@Chris Davidson,For high-risk items such as mold, I’m not opposed to it as long as the cost is known and the numbers make sense.