@Josiah Guyer thanks Josh ..i really trying small credit unions I been disappointed with theie responses but I should step it up..a notch..ans yeah my lender NORTHPOINTE not responding on time-sensitive matters

Home sellers with high equity aren’t as sensitive to higher rates because they bring a more significant down payment.

Is there any time sensitivity with getting into a property?

/Guarantee    0.85%                0.35%Credit score sensitivity to rate      Less SensitiveMore SensitiveYou can find out more for the USDA Income Req's HEREYou can find out more for the USDA Property Location Req's HEREAlso, there are some lenders that do USDA renovation loans instead of a 203k, talk to you local broker about them.Lastly, I recommend doing the repairs with your own money because I suspect it will be difficult to find contractors that comply with the FHA 203k req's as well. 

You can pass those savings on to the investor who is being increasingly sensitive to minimizing overhead costs

@Todd Dexheimer, good points.We agree that some of the markets are in a rent-growth bubble, which is why we focus on markets that still have a lot of rent-growth runway remaining.We also underwrite our deals to be conservative and do sensitivity analysis on several KPIs, one of them being breakeven occupancy.

Investors are more sensitive to overhead costs during times of recession. 

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If there is no resolution I plan to release the tenant and hope to find one less sensitive to the issue, but this tenant is a dream and I would so love to keep her happy.  

For example, the most recent proof of funds I received from a buyer was a screenshot of their bank account, with sensitive information redacted & enough to demonstrate that it was really their account.