Fannie does allow vesting to be changed to an entity after 6 months of seasoning on title AND the original owner must have continuity in entity that is being added to vesting.  

If there aren't issues with this and it wouldn't be too much extra work, I'm really just looking for an additional tool to incentivize our borrowers/purchasers to keep paying timely each month. 

(it will take you 163 months to break even on your cash outlay by paying that extra towards principle).

If you do not know how to control money well, adding more to your bank account will only create new problems.

There’s a 99% chance you’re going to ask to much and sit empty for an extra month or two.

I think a bigger reset is coming in the coming 3-6 months, so i would be extra picky in my deal analysis.

Maybe if you really like these guys and their work...and feel that they honestly got in over their heads, you could throw them an extra $500 just to appear 'nice'.

We walked the house and clearly there was an addition added at some point.Is this an issue that the title report and MLS doesn't match? 

There's plenty of cash-buyers looking to be added to wholesaler's lists! 

If they are, they should be able to clearly and confidently explain how they added value in that transaction.