Public health experts have also emphasized that the potential benefit of wearing a face covering is not for your own protection but to safeguard others around you.

Emphasize that you will keep the home in the park and run all applicants through their office.

I’ve skimmed a few of the current book offerings out their on raising capital, and can tell you that they either neglect or under emphasize the most important assets neededHere’s a short list of what someone raising capital needs to be successful.  

That’s what the gurus don’t emphasize: Risk.

One thing they emphasize is that  the people who had the balls to publicly complain where ostracized by other owners because they would adversely affect resale value if everyone knew what a disaster they were.So when an investor in NYC says, "move along, nothing to see here... everything is back to normal..."

It would be good for you to talk to them or other banks to understand whether is more important to have reserves (the $30K) or the lower debt to income ratio in your specific situation.Steve makes a great point that I can't emphasize enough. 

As a retired CPA, I have seen more than my share of bankrupted RE investors who were over leveraged with many properties.All the more reason to emphasize developing good due diligence practices, having some skin in the game and staying on top of legal requirements, maintenance, finance and tenant screening criteria.

Even though I have a good lease based off the Texas laws, some of the points that you guys have made will be incorporated into all of my leases and emphasized to the tenant during our in brief.

Do what is average in that particular neighberhood.I also went to college, not that is mandatory, I got a business degree that emphasized real estate.  

When you personalize it and make it known you are local, you de-emphasize the hard-sell.