Ryan:When we first created a set of spreadsheets and then wrote a small application to perform some scenario simulations, the BP calculators did not yet exist.  

In my experience, credit score isn't an accurate indicator of how someone will perform as a tenant. 

Two of them were credit reporting related (to their loan performance) and we gave them money to go away as a cost of doing business and the third, they lost.

I would need to buy 3.5 more single family rentals (of the same CoCR performance) in order to match the income forgoing a mortgage. 

No need for them to bring their $1m+ deal to a random new investor who may or may not be able to perform. 95% of the "wholesalers" in the area are newbies who figure, "I have no money, so I'll be a wholesaler", but most of them will never find a deal in this market. 

I ask tenants to notify me of heaters that may not be performing to their expectations and those I keep on hand, even though replacing them is not common.

I don't know if you are talking about firsts or seconds but I do know that for non-performing seconds I used to pay $30 and recently the fees have been increased to $45/month vs $40 for FCI.

Also to document and support a future suit for specific performance. 

This means you can elect to perform what is now being referred to as a "proprietary" or "classic" short sale (or a non HAFA short sale).

An individual whose only role with respect to the application is physically handling a completed application form or transmitting a completed form to a lender on behalf of a prospective borrower does not take an application.Factual Scenarios – Examples of Not Taking an ApplicationWe seek HUD’s concurrence that the following activities when performed by a manufactured housing retailer or salesperson would not constitute “taking an application.â€Giving a home buyer access to a kiosk in order to complete an application on-line which goes directly to a funding source.Directing a home buyer to complete a paper application for financing.Assisting a home buyer with general questions regarding the completion of a loan application by clarifying what type of information is necessary for the application or otherwise explaining the qualifications or criteria necessary to obtain a loan product.1Suggesting that a home buyer may have incorrectly completed or neglected to complete parts of the application.Describing the steps that a home buyer would need to take to provide information to be used to determine whether the home buyer qualifies for a loan or otherwise explaining the loan application process.2Transcribing information from the home buyer and directing to funding sources.