Under this statute, a “residential mortgage” is defined as “a loan secured by real estate containing two or fewer residential units,” regardless of whether the property is owner-occupied or held for rental use.

I’m not sure what else an investor can want from their first 27 months of owning a property…Our customer service team has called you multiple times to check in, and although you occasionally spoke, you rarely take or return their calls.Now, your complaint concerns the fact that we did not call you before performing work exceeding $400.

Maybe some kind of liability there, or they don't want you prospecting customers from the bank or maybe some kind of RESPA compliance issue if they end up getting the loan.I think it is a good idea to check to see what kind of discounts your bank will get you on the loan, but I also say shop around. 

You provide housing.Start by understanding the customer.  

The renters you attract tend to be more financially sophisticated or transition-oriented (recent liquidity event, business exit, relocation, or waiting on a custom build).Rent parity works better as a capital-preservation story than a monthly savings story.As you noted, the real sell is deploying or preserving $300k–$400k of capital, not saving money month to month.

What would it contain except "just do it"?

A custom GPT is with you step by step and unlike a human side-kick it does not forget anything and does not get influenced by feelings.

They want a customer who wants to buy a house (to live in) or a car or a boat.

Well, once you get into the millions and millions less people that are customers (to live in a house), it might make some little difference.

Also liked how you emphasized service and relationships; getting repeat customers or referrals often matters more than just closing the next deal.By the way, speaking of business strategy, I saw something interesting over at PUNIN GROUP— looks like they’re expanding and seem serious about growth and structure.