FYI-  for a long term rental, a lender will consider the income right away (75%) if there is a signed lease agreement or an appraiser' estimate STR/MTR Income Must Show Up On Your Tax Returns- Before a lender can recognize that income for underwriting to offset your DTI, they must see it reported on a schedule E on your most recent tax returns. 

She didn't understand that the kids also have to sign and get 1/2 the money potentially.  

And to know that he signed a contract to rent the apartment in the condition it was in.

Then it shouldn't be that difficult, but do put everything in writing and sign it.

They will need to see all of the documents you've signed regarding the loan.

In the future, if possible, I'd suggest putting the tenant on a payment plan with a deadline and once the payment plan is signed sending that to an attorney.

Encouraging buyers agents to over-engineer is a good sign that they are willing to work to make a deal happen.

Or, at a minimum, the DSCR is ready to go pending a signed lease agreement.

I signed up for a mastermind class that teaches you how to invest in STRs and pulled the trigger on a 2BD/1BA house in Pittsburgh, PA to operate as an STR.

I’m seeing a significant uptick in this trend, and it's got me thinking—is this a sign of underlying distress in the market?