I gave her, my taxes, my current projections, the whole song and dance, and she loved my story.

How does the old song go " welcome to my world,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,"

I can help you if you want to send me a PM  I have been active in that market for going on 20 years

I slammed on the brakes and asked buyers agent to reach out to sellers agent and request mold testing which we had initially decided not to, but when said tenant kept singing this song, I was like, wait a minute, nope, lets figure out whats going on here before I bite more than I can chew. 

@Chunyan Song, This is an interesting question. 

It's a good problem to have -- but I'm wondering if I can avoid it entirely.I've been with my partner for going on 13 years, and we've intended on getting married for a long time, but just haven't really gotten around to it. 

The business requires a relatively convenient/good physical location, *no* potential for going online, and would *remain* in it's current building indefinitely (which is why they want the 20 year mortgage). 

@Chris Marshall I very much agree with @David Song.

There's nothing technically stopping you from using ALL of your line of credit on "wine, women and song".Or, you could even waste it.So of course, spending it on an appreciating asset like a bigger primary instead, should be looked at favorably .But it still comes back to: Will your Debt-To-Income ratio be satisfactory for yet ANOTHER mortgage?

There was no requirement of song off or anything like that.