I would pay them separately rather than giving a rent credit.

It may or may not show on a credit report, depends on the servicing and you should have the loan serviced.Failure to include the debt on a future loan application is mortgage fraud, wanna go to jail?

WE dont pay a fee for the credit line as I mentioned just 1/2 point for each new loan..

We both have good credit but my lender made it seem like there was no getting around putting less than 25% down on an investment property.

To communicate that a candidate doesn’t meet your qualifications without violating fair housing rules, you can simply focus on the criteria rather than the individual.

The borrower must have a good deal from which they will make a fair profit.

That would be a fair housing violation. 

Those policies that weren’t forced on the plan of last resort, the state run California ‘Fair’ Plan are significantly underinsured.

When managing multiple applications, it’s crucial to ensure your process is both fair and compliant with local, state, and federal housing laws, including the Fair Housing Act.A best practice to avoid any perception of bias or confusion is to process and work on one application at a time.

What's the lowest credit score you will allow?