So the refinance applicant withdrew the loan application entirely, because neither of these two parties was willing to budge (LOL @ how rare this was, we had the consumer insisting that they wanted a HIGHER interest rate, and the underwriter insisting that they are REQUIRED to get the LOWER interest rate!).

Having first cash flow depicted after recovering the negative value add is the most conservative and probably should be the method used.Note a large negative value add can consume multiple years of cash flow. 

__reveals that current obligations are excessive in relation to income.Other:The consumer reporting agency contacted that provided information that influenced our decision in whole or in part was [name, address and [toll-free] telephone number of the reporting agency].

Because consumers short-sightedly only focus on low prices. 

I’ve been consuming BiggerPockets via YT, FB groups, and the forums for some time, and finally created an account to get to know more of the incredible people here.

That cost is passed to end consumers.

Minimize frivolous spending, and impulse purchases. 2) There are many ways to cultivate new business that cost nothing or very little.

If you do not yet have these goals set in place, that is OK too but I'd recommend reading, consuming BP content and masterminding with folks (via meetups, forums, etc) to get a sense of what you want to accomplish and how you'd like to get there.If you, like many other newer investors, plan on getting started with your first property sooner rather than later, the experience of working with your team (Lender, Attorney, Realtor, etc.) will be invaluable.

But in practice, “No Eviction Ever” would turn even the simplest instances of nonpayment and lease violations into expensive, time-consuming court cases by setting the eviction bar impossibly high, such as striking down any eviction on mere claim by tenants that there is no heat, hot water, smoke detectors, etc.HELLo, Gotham?!

Very time consuming yes, but once you find a good local bank you can work with, you can go to them in the future right away once you find another deal.