Many investors are afraid of inheriting tenants or buying a property site unseen.

Don't be afraid to negotiate!

Don't be afraid to negotiate!

I have a property under contract but I am afraid my debt to income may be too high.

And, no, there really isn't a way you can buy it and leave his mortgage in place without a subject-to deal.As long as you are not afraid of being scoffed at, you can tell him, look, I'd normally want to buy this at $100K (I have to resist scoffing at you myself) but I know this is rehabbed and ready to go. 

So here are my options that I'm aware of and am hoping someone knows of any other creative ways to structure it.1)  I close with the seller and wait 90 days to season the title for the end buyers FHA loan. 2)  I sell the contract, however, this will expose my spread and am afraid the end buyer and/or seller will want to cut me out and deal direct.The county has the house appraised at $300,000. 

the lender that did your last loan is  likely  afraid of  facing an " EPO"   ( early payoff penalty )   which would require them to payback any rebate they earned  when they closed your last loan  ...most loan programs  have this  stipulation and these tend to  fall off at the magical 6 month mark 

It will be better to put a well placed tenant than to just throw the first renter that comes along because you were afraid of vacancy.I have both rentals and syndications and Im quite happy with both.

I'm afraid they're going to chase him away and I'll have a heck of a time trying to rerent with trash everywhere.

There is a group for everyone-- I am still searching for mine and I don't know, maybe I wouldn't mind, but I am afraid I would be very distracted by a child-- I am betting that there are other parents of toddlers that could create a group.