Hey Patrick, Do you have a US credit score or do you have credit in Canada?

I'd expect something in the 70%-75% range, depending on your experience and credit score3b) Also, do you need to borrow $160k?

GSEs are entities established but not operated or owned by the Federal government to (oftentimes) enhance credit availability, in sectors that have some sort of public good connection like agriculture or housing.

The bank said they require 90% owner occupancy and since our HOA is only 5 units, we only have 80% of units occupied by owner. does anyone have any suggestions on any banks or credit unions where this may not be an issue? 

Credit cards have the same limitation on the amount you can borrow and will likely end up costing more than private lenders.

You said "100% of our funds were investors" then "my capital came from bank Lines of credit NO investors", so wondered exactly how much of the 100% was replaced. 

I think they pay the VA a little and pocket the rest waiting for the house of cards to fall.

Run a credit check, which will include her address history and the dates she lived at each one. 

Are you able to close the transaction (have enough money (and/or credit) ?

Should I follow through with background checks and credit score, waive the application, or something else?