So, it  appear that the utility PGE is trying to force something not required by legislation.

Quote from @Ron Amshalom: Hi everyone,I've seen a lot of different numbers floating around regarding down payment requirements for foreign investors looking to qualify for a DSCR loan in the U.S.What is the real down payment typically required?

The lender knew this was a MTR/STR property from the beginning and required the STR income appraisal to approve the loan.Now I am 5 months down the road and spent well over $1,000 in appraisals.   

I may steal this one for a poll sometime soon... 

Conducting a poll.- Max Emory | REI | Private Lender | Founder & CEO of Time Capital Bookkeeping

I have is a property in my portfolio that has about 180,000k in equity and I want to touch it but since it’s not-owner occupied I can only borrow up to about a 70% LTV whereas if If it was owner occupied I could borr...

A question that we get:"Does the IRS require site visits for cost segregation studies?"

 Their requirements are a window and a closet and at least 70sf. 

Every lender will require 6 months of reserves and it can be in a 401k or retirement account, as the money doesn't need to be liquid. 

If you are a nobody, people who works in each perspective office only care about your project is meeting their requirements or not.