FidelitySources:IRS Notice IR-2025-111, Nov. 13, 2025.

If they were denied, send them an Adverse Action Notice, and keep all the information you collected about that applicant should the need arise to prove no wrongdoing on your part.

Look to your lease as to when notice is due.  

I noticed that Corpus Christi is not a location under Texas.

@Alvin Diggs III  you can also just let the tenant know what the rent will be by giving 30 days notice.

Something I’m noticing a lot lately with people starting out in real estate:They’re doing the research.They’re watching the market.They’re waiting for the “right time.”But they’re stuck — not because of rates, prices, or competition.They don’t know their real numbers yet.With insurance costs rising, taxes changing, and lenders getting tighter, guessing no longer works.

Quote from @Julien Hill: Over the last 18 months working with mortgage brokers on DSCR deals, I've noticed a pattern with the partnerships that actually work long-term.It comes down to execution fundamentals that protect everyone involved, including the broker's reputation, the investor's timeline, and the deal itself.Consistent execution looks like the below:Response time matters - Initial response within hours, not days.

Remember, the foundation of a long and productive relationship is communication.Some approaches:- Step ups monthly or quarterly- Bill back utilities or obligations, if lawfully permissible- Work with housing assistance provider, if applicable- Large increase on lease anniversary (this could encourage vacancy)Give them ample notice of the increase (60+ days).

I haven't noticed much of a change in getting loans.

IRS Safe Harbor Explanations Expanded for Rollover & RMD RulesWhat changed:The IRS published Notice 2026-13, expanding “safe harbor” rollover explanations that plan administrators can use to comply with distribution communication requirements.