Tenant how much he prepaid, would his answer be 4 months or 2?

Your best bet may be to try to get as much prepaid rent as possible by law.

I have 3 total replacements On the first I increased the amount from the exchange so I got back as a check at closing my earnest deposits, and credits for a prepaid finders fee and closing costs. 

Back out the pre-paid tax and insurance from closing costs (these are balance sheet items and not expenses), as well as the pre-paid interest estimate (since this isn't a new expense...you were paying interest anyway), and divide the remainder by the monthly savings.  

FHA will allow a down payment as low as 3.5%, but you will need to factor in another 1-2% of the purchase price (this is lender/location dependent) to cover your closing costs and pre-paid expenses. 

Most QIs will insist that prepaid items like rents and security deposits etc be kept off the settlement statement so they don't muddy the water. 

While both closings were nearly identical and same time frame, only one property recorded prepaid taxes which the title company mailed back (August 2020) and there was nothing collected for the second property.3) We think informing the lender of the problem might help put pressure on the title company, however the lending company of of the most skittish we have ever dealt with and might take drastic measure such as recalling the mortgages or something crazy...what could a bank legally do if they learn the title has never actually been recorded in the name of the borrower? 

This is especially easy to do with software, information courses, or other subscriptions that you know you want to keep.A word of caution: Under a 12-month rule, you cannot deduct prepaid expenses that run more than the end of the year following the current year.

-you’ll have over $5k just in prepaid taxes and insurance at closing-you’ll have a 1.75% MIP fee at closing added to your loan balance-you’ll also have about $200/mo in MIPHow many units is this?  

This covered all of my prepaids, reserves, & I even had a little left over to go towards my equity.