you might be a great guy who's going to keep your lenders whole even if you get upside down. 

They said they only review categories every couple of months so I patiently waited and called again.  

In our area, the housing authority does annual inspections to (mostly making sure the landlord is keeping up the units) review the tenant and the landlord. 

Some Lenders can even take just the Lease Agreement.

Here’s what made a difference for us:🔹 Mortgage Relief – Many lenders offer disaster relief options like payment pauses or loan modifications.

Out of curiosity, have you talked with your lender about this?

or you can reach out to a broker who can shop 80 lenders in a matter of minutes for you.

Sterling,Each lender is different on how they calculate income and also what overlays they have that can cause a bad income calc. 

Credit cards have the same limitation on the amount you can borrow and will likely end up costing more than private lenders.

That would almost always be from the same lender who has a 1st AND 2nd on the property and they are just fed up with the owner and are taking the opportunity to get out of a bad situation entirely.Sorry, it's complex enough that it isn't a 15 minute class.