u/7measuredreply

My lease is ending in August and I'm starting to panic about finding a place in Orlando or maybe closer to Davenport. I work freelance so my income looks "unstable" to every big bank I've called so far. One lender told me I needed three years of tax returns even though my credit score is 735. I just want a rough idea of what I can afford without them trashing my credit score with a hard pull just to tell me no.

Is there a specific broker in Florida that moves faster? I'm tired of filling out these massive pdf forms and waiting five days for a "maybe" phone call. I'm looking at stuff around the $420k range but I don't even know if that's realistic with current rates.

Edit: I've been browsing reddit and the internet a little too much tonight trying to find a way around the bank stuff. I found the site Mortgage Quote and it looks like they do the estimate without the hard pull. I think I'll try it.

We’re getting ready for a PCS and I’m already hitting a wall with these national lenders. Every time I talk to a loan officer at the big banks, it feels like I’m teaching a finance class. They look at my base pay and act like the rest of my LES doesn't exist, which basically cuts my "official" income in half for their calculations.

I’m also getting annoyed that everyone wants to do a hard credit pull just to tell me a ballpark rate. My score is decent, around a 735, but I don’t want it taking five hits while I’m just trying to find someone who actually understands how military pay works.

Are you guys mostly sticking with the big military-focused credit unions, or have you had better luck with independent brokers who actually know how to gross-up tax-free income? I just want to get pre-approved without the three-hour explanation and the credit score ding.

Trying to get my Q3 pace reports together and my PMS is driving me crazy again. It records everything by purchase date, so my current "demand" looks like a flat line even though I know the summer bookings are coming in. I can't get a clean look at the next 12 months without manually shifting cells in Excel for three hours.

I'm trying to find a better booking engine analytics platform that maps the click to the stay date. I've been looking at the Hotel Metrics from Gourmet Marketing because they claim to do end-to-end tracking from the first ad click.

Has anyone used them? I need to know if the guest intelligence part is legit or if it's just another layer of data I have to clean up myself. Dealing with a 20% commission hit on OTAs right now and I really need to see if our direct ads are even hitting the right stay windows.