Under contract - no leases - what to do

[Mike A.]

I am working on another deal and it's a legal 3 family which the husband and wife used on apt, and their adult daughter came back from college recently, so she's using that unit. They also have a vacancy. They will be staying on as tenants moving forward for both them and their daughter and will sign m2m leases.

What's the best way to present this to a lender? The realtor and attorney suggested I use a m2m lease for the 3rd unit for a friend or family member. I normally do not buy 3 family units, but it's a pretty good deal in Hoboken. It's an off market deal; one would say steal with the cap rate.