We feel this encourages/trains good payment behavior:)We have several MoveIn Specials owners can approve like, free TV, Washer or Dryer (used), etc.Our main goal with MoveIn Specials is to stand out from our competition. - Just lowering the rent really doesn't do that.

I was unfortunately denied as of yesterday, but she said it's because I am a new customer for Key.

It’s entertaining to them sure but it solves nothing as there’s always 2 sides to the story the customer and the business.

Customer service is always great when they have something to sell, I am sure you know this. 

I've had some not happy when I have asked them to split it out.I've tried asking questions to the IRS customer service reps, and didn't have the best luck.While I cannot cite a specific official guidance on this issue, I consider debit cards exempt.

I would encourage you to do a deeper dig on the financials and take your own skill inventory in making this important wealth impacting decision.  

Several factors indicate the company is not that concerned about efficiency or ease of customer process: the website, a process that seemed to focus on one issue at a time instead of all issues at once, and consistently poor communications and lack of common sense from the loan analyst we were assigned.It started off very well with the initial point of contact, Austin Lornson, who did a fine job of explaining the general refinancing process, responding quickly and thoroughly to our questions.

It just gives a layer of protection to the property seller that they don't get with a straight sub to (without a wrap).The other option is to encourage or help the property owner go and refinance. 

When you meet someone doing what you want to do and is very encouraging about the possibilities, it really makes you think and ask yourself, "what are you waiting for?".

I would also encourage you to look into the house hack space.