We hanve language in our leases to clarify who is responsible for certain damages depending on if the company or is the underlying tenant's name is on the lease. 

Drew I appreciate your well thought out response.

Its a tough subject because logically, they are joint and several guarantys so rationally a 100% guaranty from each of two people (one 740 one 680 for example) is ALWAYS going to be better than just one 100% guaranty from someone at 740 (so it wouldn't make sense to have a better rate for the latter)The problem is that there is fraud and "straw borrowers" out there where someone who is not involved in the property signs on to boost score and terms - so many DSCR Lenders in response either do the "non-rational" thing and price to the lower to avoid the fraud or use the higher of the two (and either be a little loose with things or just stay vigilant on any funny business)

Like Greg mentioned, I would be concerned with his/her responsiveness while I was living there. 

Chris,Thank you for the response, that makes sense.

So, you, as an individual, may not get to the same rate that a MASSIVE national builder can...but you can certainly offer credits to the buyers to help buy down the rates. 

HI Jonathan, thanks for your response.

You are not spreading the financial risk if you are responsible for all capital.

Here is the new response:  "The Terms and Conditions were not properly displayed for the cardholder during the order process or on the same screen as the checkout screen before the final checkout.

You should let both of them know that they are both responsible as they both signed the lease.