I got along well with them.Some reasons for delay are valid, and I've tried to be patient.

They must get this request all the time.

The borrower must have a good deal from which they will make a fair profit.

I am trying to get 30 years right now.

I've now used it twice.The program requires 10% down, must be a rental, no PMI, and has a very high standard of credit.Last I did it (Summer 2022), my rate landed in the low 5%.  

Those CC payments must be crippling.

Must be only one at a time, right?

If over that amount, she must file a gift tax return, though no tax is owed unless her lifetime exemption is exceeded.

You must report rental income on Schedule E and can deduct rental expenses like repairs, maintenance, property taxes, mortgage interest (allocated between personal and rental use), and depreciation for the rented portion.

In Oregon for instance unless your doing a PUD open space cannot be required and you MUST create lots to specified zoning density.. in other words if your zoned 5k sq ft lots U cant ask for 7500 sq ft lots you must be within 10% of the base zoning.