Another strategy could be to develop a very clearly persona financial statement showing your specific strategies to the bankers, so they will feel more comfortable with their perceived "risk".

It seems to work pretty well right now.In all simplicity, person A needs a roof, bathroom, kitchen and bedroom to avoid having to sleep under a bridge abutment, or on a relatives couch.Person B has control of an unused roof, bathroom, kitchen and bedroom and in return for a monthly cash payment, allows Person A to use it temporarily.Currently Person C gets elected and disparages person B believing it's a fast ticket to being re-elected.

If they didn't contract that person as their realtor it would generate bad feelings, so that person automatically gets their business 

The bird dog never made contact with the homeowner/seller and only provided an address to you, so I do not believe that would violate any laws to pay that person a fee for their time and gas money. 

@Christopher Murphy- let me know if you would like a referal for a  good  Loan person .....as far as  getting pre approved -  doing this with one lender  ( maybe  2  ) is ample 

Then from that you can either make this person a JV investor, PML, or have them just buy a property from you on the backside. 

I'm using this person as a credit partner because I can't qualify for the loan.

For a 3BR house your current 1K, 1Q, 2T setup's extremely limiting in what types of groups (personas) can rent your place.

The person a briefly talked to about the house says it's up for sale for around 55 grand and the comps in the area are for around $110 so not sure if is the bank trying to sale it before it goes in foreclosure of if its the homeowner's.  

I appreciate them.I guess how do I make sure that if I am paying this person as an independent contractor that I don't get into any issues down the road.