Wow... after reading this I feel like there is a lot of overcharging going on...

Next year people will have reviews to read to help them decide if they trust you with their hard-earned money.

If you are reading this and curious about vendees or when they will come back I will post something also hear about them coming back.

While we are both gainfully employed and have good income, our DTI (Debt to Income) is obviously incredibly skewed even though our properties cash flow. 

@Eric HemplerIf you are not employed by the sponsor then yes you must be a licensed broker-dealer.

Read your local laws. 

Unfortunately many lenders will see this as a red flag and may not take the risk to lend you the rest of the money even if you use stated income program or bank statement program but those are for self employed borrowers who have active income from their business but write off to many expenses that when filling their taxes their net income is really low or sometimes negative.

Instead of using your personal income, employment history and DTI to qualify, a lender would look at the income or potential income of the property to make sure it cash flows after taxes and insurance are accounted for.

She has a good-paying job, and her employment has not been affected. 

Thanks for the reply, job and employment data is should help me determine upcoming demand.