So I shouldn't call mortgage brokerages, I should call mortgage companies?

Mortgage balances go down and eventually get paid off. 

Hi Lenny,Probably I would wait until you have a steady income source to make it easier to get a mortgage.

Where these numbers are found, there is a very high rate of rent actually being paid.We have over a dozen Fortune 500 companies just in Metro Detroit with huge Healthcare, Auto, and mortgage industry National footprints.

But I could easily make this a 3 bed, 2 bath within the existing sq ft. 

Many of them have restrictions that you must owner-occupy the property for a minimum number of years - or you'll have to pay it back with interest.Also, the standard mortgage requires you to owner-occupy a property for a minimum of 12 months before renting it out.

Plus, they look so much nicer than a bunch of panels glued to the wall.For existing bathtubs, do a tile surround.

In the “c” offering solicitation and advertising is allowed, and no preexisting relationship need exist. 

We invest in mortgage notes (performing and non performing).

So she's just behind in her mortgage and probably has a notice of default or whatever the procedure is in Florida.Your ability to get a loan for the home has nothing to do with her payment history on the home.