I lost $300 in application fees, but thankfully my previous lender was able to close the deal within 2 days and save the transaction.But it didn’t stop there.

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).

4 unit brick building with all 2br 1 ba units in C+ area of Cincinnati that is on the path to progress.

They have simplified applications (and oftentimes don't accept a 1003), and they are still pulling background checks via OFAC, LexisNexis, etc. 

Is your DSCR ratio greater than 1-meaning are you cash flowing (according to the lender's criteria of mortgage, property taxes and insurance (and HOA) if applicable).

You would still do all of the normal processes for the application - credit, jobs, income, background, etc.

Is your DSCR ratio greater than 1-meaning are you cash flowing (according to the lender's criteria of mortgage, property taxes and insurance (and HOA) if applicable).

✅(Technical note: This process requires submission of Form 14135, Application for Certificate of Discharge of Property from Federal Tax Lien, and results in IRS Letter 403, Conditional Commitment to Discharge Certain Property from Federal Tax Lien (Value).

@Jaxon Johnson,Huntsville’s an interesting place for house hacking, and the two of you are in an especially good place given you don’t need to be tied anywhere geographically.As for where to invest in Huntsville, areas along the “path of progress,” so from Huntsville proper to Wheeler Lake, could be worth checking out.If the two of you are open to living in a smaller town close to Huntsville but outside the city proper, areas like New Hope, Arab, Hartselle, Decatur, and Athens could also be worth looking into.

If your screening service doesn’t include a separate search for judgments and liens, you're certainly missing key details.For example, an applicant who abandoned a property without a formal eviction might still have a judgment for unpaid rent or damages, but since no eviction was filed, it wouldn’t appear in a standard report.