Quote from @Travis Cooke: Understand on a refi it is not really a "down payment", but rather a loan to value. so, at 75% on a single family investment property rate/term refi I would be around 6.5% today with no points/no pre-pay penalty, at around 6.125% at 60% loan to value with no points/no pre-payment penalty.

Cook , he's an expert in that market. 

@Javier MezaOrlando STR’s are over cooked!

I routinely have alarms triggered by inept cooking or (more commonly) indoor smoking. 

In the sage wisdom of Ratatouille; anyone can cook, but not everyone can be great. 

@Travis Cooke Pleasure to meet you as well. 

They sneak in their boyfriends who have jobs and basically get free housing and food stamps.

Bloody oath I do mate.It's never their fault and always yours (Ours).They rarely take any responsibility and cry victim.It's crazy to think but it's like many intentionally look for drama and deep down inside don't want success but rather problems.Someone to dislike and blame and to feel wronged by.All other personal and "at home" issues can now be blamed on this one unfortunate scenario.This "drama" per se is like food for the hungry and they need such drama in life to "survive".My apologies if my above comments sound weird as they are more so from a philosophical standpoint and just some thoughts that I have considered after 5,000+ investor intro calls and as you have mentioned, others feeling wronged by me or my company on many occasions.What a $#@% way to live IMO but I don't judge and sleep in peace.Again, I have been "wronged" by many but consider it my own fault.I also don't call them out publicly or post bad reviews, etc... 

If Cook should lose her job for simply being accused of mortgage fraud, then Trump should definitely lose his job in the government for not only being implicated but actually being convicted of financial crimes.

I read a study that showed 64% of Americans from Ramseyfind buying food being their number one stressor.That's wild to me.It wasn't even housing or a car payment anymore.So it's telling me people have realized they are STUCKin there current position so it makes no sense to worryabout moving, buying a house, or luxury like vacations.Food is the biggest stressor because money is taken upelsewhere.But how I take it is people have made the consciousdecision to stay put and make the most of their currentliving situation.So if you're not hounding and pushing to find qualifiedbuyers, this is why you'll have a listing sit on the market for 76 days and then go, "idk why".Well I know why, it's not 2020 ANYMORE FOR THE LAST TIME.2020 messed up a lot of people in the head in thinkingwhat a normal market is.Think of all the scenarios and situations we were in,and y'all think that's a normal market?