Would the person with the 400 credit score potentially win a judgment against me because I accepted the higher (but not fully qualifying) score if the 400 applied first? 

After all, Chloe Eudaly who uses low income people emotion to wipe out small owners, becomes a winning child to the City and State who successfully generates more revenue from and for the big players.

The comment about underwriter was made because again the lady told me the underwriter can get a bonus for the number of closed mortgagesThe director of the branch had told me before that she will match the interest rate given to me by a different bank.

@Hadar Orkibi I've actually had a hard time matching the numbers here that I got in Memphis using an outstanding turnkey provider.

If I did subject to, the rent rate matches the payment so there is no upside for long term hold.  

Can I make this one a creative successful win/win situation?

Can I make this one a creative successful win/win situation?

You might also try reverse prospecting on your MLS to find saved searches with criteria that match your listing and contact the Realtor who has that search set up for a client.  

I could do subject to, but currently the rent rate matches the payment so there is no upside for long term hold even though the loan is 3.2%. 

You can win with both and lose in both massively.