Some lenders use the "Lesser" of the two meaning if you have leases in place that are less than the common rents or the common rents are less than the rental agreements the lender will use the lower of the two rents.  

I have heard many different strategies for those an one common one is going into a syndication with other investors.

Hi Jason - What i can suggest is create tax projections considering scenarios what if property is in your name and what if it is in wife name and see where you end up paying lower taxes.

It's a little more work to find someone willing to do this kind of scenario, and in my personal case I just charge my normal rent and I'm content with that because it cashflows.

This is not a very common issue though.  

I would strongly encourage you to shop around for other options for this particular scenario.

Hi Davian,There are lots of reliable brokers and lenders that can help you with your scenario.

In this type of scenario how to come out of this kind of loss giving deal.Note: The Mold would not have exposed in the inspection report.

Some investors, (and some attorneys are comfortable advising)  running without an LLC for some people and instead having an insurance policy in place to cover most likely scenarios of paying.

To answer part one of your scenario, it depends on what type of loan product you have on the investment property that you purchased.