If it's not a gift, more documentation and explanation will be needed (are they also owners, is there a loan, etc). 

@Lisa Marie for the extremely in-depth thought-provoking reply with amazing analogies and explanations, I felt very inspired to do more and learn more. 

However, if you demonstrate that you're abusing FHA loans, such as getting a new loan after six months because you converted the property you just bought into a rental without a reasonable explanation, then you could have issues. 

This is a complex question, that requires answers with exceptions, caveats, and explanations, but here are rough examples:A.

Thanks Steve that was a great explanation, many thanks:)

Without having to analyze the numbers I was able to respond with a reasonable explanation of why an investor would not be able to pay as much as owner occupant for his house.I guess people who eschew the 1% rule would go back and spend an hour putting together a detailed analysis to answer that question.

that didn't make sense to me that if i have my ira with you then you will put who the owner is but if i don't have it with you you wont' put anything.anyways, she def didnt' give me indication that she exactly knew. maybe i had a bad agent and since i was already skeptical of using a small bank, that def turned me off.at chase my account shows that it's a business account under an llc. i am the manger of llc, the only thing that worried me is that they put me as a the owner of llc. this seemed no diff to me that when you go get an ein, it also puts you the owner of llc. if irs itself can have this limitation in getting the ein, then surely they would understand the limitation of the bank. besides, i have a fully complying operating agreement in which i have a clause that explains while irs ein letter shows me as the owner, in reality it is my ira that is owner and that that there are limitations on irs website when obtaining an ein. i will jsut be adding a similar explanation in my operating agreement about bank acct and have all the supporting documentation in case if it's ever needed. but that's where i am at.i wish this process was simpler/ easier. it is also very frustrating that the custodian doesnt' telll you anything. they all market you can have a checkbook ira but don't really guide you in HOW to do it practically. all these rich ppl are doing it and i doubt they are going through all these hoops. ...

I don't want to cast stones unnecessarily though and am not alleging wrongdoing but I would very much like more of an explanation.

Security deposit amountYou can find plenty of examples by searching for "tenant estoppel certificate doc" or exchanging "doc" with "pdf" for more options.Here is an example and explanation: Sample EstoppelSome have a lot of legal jargon but this document does not need to be so detailed.

Thanks, Collin for the detailed explanation.