For income and credit score, the main thing to keep in mind is that the tenant’s rent portion is based on their income and the voucher covers the rest, so you don’t really need to use a traditional income multiplier like “3x the rent” the way you would with market tenants.

Federal incentives multiply when cities provide regulatory frameworks for ambitious development.The timing is everything.

For example, are they taking 8% of the quarterly estimate payment I made (whether it's high or low) or the actual quarterly earnings for that quarter, or are they taking the total income for the year, dividing by 4 and then charging interest based on that average quarterly amount (multiplied by the number of days late)?

Referrals from happy lenders – Word of mouth has been the biggest multiplier I’ve seen.

That's why we use a multiplier to factor that in. 

@Fola OdunladeFola, great question—both time and money matter, but early on I’d argue time is the bigger multiplier.

Partnerships form naturally, and opportunities multiply when people pool their strengths.2.

That's a 96X multiplier, seems a bit more "ridiculous" than "reasonable" to myself. 

That means costs multiply with loan count, not just loan dollars. 2,000 small loans cost far more to securitize than 400 larger ones, which is why asset managers  prefer higher minimum loan sizes.

My advice was...if you thought your LTRs were a lot of work, multiply that times at least 10 for a STR :)