@Bernard Frazier I completely agree that a 5-family would be ideal for the reasons that you've indicated; plus vacancy-offset, etc.  

What I see as an indicator of a coming change, downturn, whatever you want to call it is the days on market nearly doubling for condos.

We're only 19 months into our current loan, and the lender has so far indicated they would only drop  PMI when we hit 80% LTV on the original appraisal amount (which I recognize is their right per the original terms). 

I believe MIS just indicates that it is an incident ticket.

They won't work in NYC.You have to look for Future type calculations like Internal Rate of Return (IRR), Future Value, Discounted Cashflows, Rental and Expense Growth, etc.All of my investments have done incredibly well and all in Brooklyn.I know what you are saying.... past results is not indicative of future results.

In the initial,  call her indicated that there was a home equity loan on the home.  

That's the best indicator you'll find - for reasons Brent explained well.One last quibble: the 3/1 might be OK, but the 4/1 will probably give you some trouble.

one indicates buyers market the other a sellers market, if you plan to buy and hold for cash flow, it doesn't matter as much.

Agree that time at job and number of moves are great indicators.  

If you served as you indicated, they have the 7 days to answer.