a mortgagee with 750-800 credit scores perfect payment record steady income over100,000.00 annually, plus saving accounts tried to refinance a owner occupied home. loan balance $316,000.00 with an appraised value of $850,000.00. was turned downed 3 times by different companies. due to fanniemae and underwriters disagreeing with irs tax write offs. due to tennants not paying rent but mortgage payment are always paid.