Recent shifts in Investor desires have moved underwriting guidelines to become increasingly conservative. What that means to the average buyer is that you must be aware of all of the aspects of qualification. If you forget to add in a liability or subtract an expense out of your income, you could find yourself in the 11th hour of a purchase with no loan to buy the home. This is especially true if you buying on the higher end of your qualification spectrum. So what’s the number one item catching buyers off guard now?