See the chart from Fair Isaac Company (FICO) below: FICO Score Pct of Population Default Probability 800 or more 13.00% 1.00% 750-799 27.00% 1.00% 700-749 18.00% 4.40% 650-699 15.00% 8.90% 600-649 12.00% 15.80% 550-599 8.00% 22.50% 500-549 5.00% 28.40% Less than 499 2.00% 41.00% Source: Fair Isaac CompanyAccording to this chart, investors should use corresponding vacancy + tenant-nonperformance factors of approximately 5% for Class A rentals, 10% for Class B and 20% for Class C.To address Class C payment challenges, many industry "experts" are now selling programs to newbie investors about how Section 8 tenants are the cure.

Value was created through a comprehensive renovation that addressed both interior and exterior improvements.

Corporate teams want a clean, concise proposal that clearly addresses insurance, liability, maintenance responsibility, cash handling, and removal terms.

Matters regarding this are being addressed through appropriate formal channels, not on BP.My original post was about the broader challenge of finding real-estate-savvy tax professionals, not about any individual.

Hi @Pamela H Stilz,Please reach out to the support department at [email protected] and a representative will help address your charge concern!

I’m guessing it wasn’t otherwise the current issues would have been addressed.

“Has anyone spoken to you about this address before?”

Being transparent is the name of the game, as it can avoid underwriting issues down the road.For DSCR scenario in particular, lenders would look for the below data points to confirm property adheres to seasoning requirements (usually 90 days) as well as debt service ratioBorrower NameBorrower FICO ScoreProperty Address# of UnitsPurchase PricePurchase DateEstimated As-Is ValueAnnual TaxesAnnual InsuranceAnnual HOA (If applicable)Current Rent per unitMarket Rent per unitLoan Amount RequestExisting Mortgage/Lien PayoffsAny pricing guidance that the client has in particular (Prepayment Request, Fully Amortizing vs I/O, Interest Rate request)

Yes, I agree the first thing that needs to be addressed is finding the funds. 

Electrical items like a double-tap breaker and non-working GFCIs will almost certainly come up on inspection and need to be addressed.