Makes it easy to send documents to clients...As a CRM, we use 'Seize the market'- it organizes all of our leads, syncs to google calendar and even has a dialer feature which is super convenient.

Chase marketing and Chase legal don't communicate the way people would expect them to

Locking the rate at 5% was the plan, I received the loan documents yesterday with the 5% on them yesterday and before I could get it signed and locked in, they called me and told me the rate was going to change to 6.5% and the 5% wasn't valid.

Both rented and positive cash flow.Subject Property:  Traditional detached SF property in NJPurchase amt 410k10% down (don't have funds to do 20% unfortunately)While I am confident in my mtge guy, for prudent measure I wanted to check w/ the BP community to confirm the following..Freddie:  'My income is too high' (Can certainly give figures, but not sure how to break it down.. 2017 salary + bonus; Rental income, 2018 salary formally approved and documented, but not effective until July; and 2018 bonus (which I have received already)FNMA:  'To get a second FNMA mtge, I need to put down 20%' (which I would like to do, but cannot come up with an extra 41k)FHA:  'My only option' (with the 1.75% upfront PMI and monthly PMI for life of the loan). 

@Eric Bilderback For the borrower to eligible for cash out refinance  the borrower must have held legal title to the lot for at least six month prior to closing of permanent mortgage before cash out. 

He provided the documentation and a 30 day notice (as required by SCRA).  

This will require a sophisticated software (electing to use Appfolio) and well documented processes. 

Failure to pay subjects the tenant to legal recourse just like the rent. 

Dual agency is legal in New York, and it's sweet for the agent (because the agent can double side the commission), but it's really not the best situation for a buyer and a seller.Dual agency requires you to give up some of the fiduciary duties that an agent owes to you - so you're really getting diminished service by using the seller's agent in the same transaction.At a bare minimum, ask the seller's agent if you can use another agent in his brokerage - that way at least you can keep all of the fiduciary duties intact. 

@Jeremy Petersen, most experts feel that legal entitlements to create options for best and highest use do not disqualify you from a 1031.