Numbers are numbers, last time I checked they don't smack you or call you fat so I don't understand how they come with emotions. 

Since it sounds like there's plenty of fat on this deal, I would say do what she asks and do it right.

There's an old saying, "Pigs get fat, hogs get slaughtered."

Hopefully you have built up a nice fat list of rehab buyers to wholesale to.

I have seen overages be FAR more than they would have got even selling it on the open market.. simply because they have no selling cost  no realtor fee.. no closing costs.. etc etc.. they just get a nice fat check.. out here on the west coast this can be 10 to 50k or it can easily be over 100k right into their pocket tax free and expense free. 

@Mike Cumbie, how about this scenarioI have a borrower who contacts me from one of my ads, from online or referred by a prior client who came to me the same way to purchase a homeSCENARIO: My borrower wants to buy a $500k home, so I get her completely approved in advance for her Max purchase power and issue an Approval letter for $625k and they have an Attorney Escrow Letter showing $20,000 of EMD They were thinking about working with their brother's, wife's, sister who a Realtor and who is willing to offer:     $0  Buyer Agent Realtor Rebate  They also met a nice Realtor at their kids' soccer game named Mike, who seemed like a good Realtor who is willing to offer:    $0   Buyer Agent Realtor RebateBut the Mortgage Broker wants to refer us to one of his Realtor Partners, who are Very Experienced, who have the same access to the same exact "menu" call the MLS and are much better negotiators than most realtors and who is willing to offer:  $12,500    Buyer Agent Realtor Rebate   Sorry, but the brother's, wife's sister who's a realtor and the nice realtor from their kids' soccer game are both...Out like the fat kids in 5th grade dodge ball!

, credit scores are great, and they have big fat down payments (which could hint at their "real" income that you won't see on tax returns).All the data that I've read says that non-QM is outperforming FHA.

You do not win all the deals but I just want the fat ones.   

Excuse my fat finger miss spelling.

"Pigs get fat, hogs get slaughtered."