.- I am guessing, based on having seen this before when people use 'partnership' mortgages to get their DTI to work in the Bay Area, your tax paperwork is going to say you only get half the rent.I of course have not seen your income paperwork, but that means on the next mortgage application you will at that point have all of that counted against your income, which may hurt the odds - a lot.

I haven't dealt with this specific situation so I'm not entirely sure, but my guess would be that since it is you place of primary residence that would supersede any other issue.

I am guessing it has to be sub 3%

Perhaps upto 1 year for qualifying extreme hardship cases is in order and if they have a fund for housing providers to collect % in place of those ghosting rents which I guess they have sort of. 

I guess my response is a day late and a dollar short :D How did it go?

I guess its called sweat equity2>  Sell house As IsIn both scenarios, how do I go about asking for the full payment? 

So, I guess it depends.  

I guess I've always ended up working with a lender that did require the tax returns, bank statements, etc, so I didn't realize some lenders were so lax when pre-qualifying.

Now, I guess we'll see if the seller's agent laughs at me.

I guess some purchases go under emotional response/attachment.