A huge point was just completely disregarded and drove by twice.  

We did end up renting to one of those applicants and they've been great so far, so I'm not saying to disregard all these calls as desperate losers or anything, I'm just saying to keep things in perspective and know how this process works.Personally, we like to keep our rents a little below market, for exactly this reason. 

My response there are no threats,  I just want to close deal and you can disregard all statements .

Read about the difference between taxation choices, i.e. disregarded entity versus S-Corp.

Loan to cost means that percentage is only based on how much it actually cost you.So in your situation, they would completely disregard the ARV, they would be loaning on a percentage of the $105k you have into the deal.  

@Jaysen Medhurst disregard last question about Cap Ex, I have done some research regarding it and now understand what you mean.

It may be possible to sell the property in your name and purchase in a "disregarded LLC" (meaning it only has one member and elects to be taxed as a sole proprietor so it doesn't file a tax return  and activity is still reported on your personal tax return. 

From a tax perspective an LLC is a 'disregarded entity' that means it is taxed as you are. 

The caveat is that to be successful the transfer must be done before the liability arises, otherwise the whole thing is a fraudulent transfer and will be disregarded by the court.

If they give you better advice then you can just disregard what I say.I would suggest looking into a rehab loan.