These are the outstanding balances of loans to and from Partners and Related Parties.

Instead of a 1 to 1 ratio, the required ratio can be 1 to 1.2 or 1 to 1.25.More on DSCR loans: DSCR loans won't use your income to underwrite the loan.

Sounds like she has a loan on the property still so the only way to get the deed into your name is to have the loan paid off like normal. unless she has an assumable FHA loan. 

Since you'll be owner-occupying, take advantage of low down payment loans like FHA (3.5%), Conventional (5%), VA (0%), or a 203k loan for renovations.

Below, I outline several incidents that demonstrate the importance of vigilance in this industry.Incident 1: Noble Capital LoansNoble Capital Loans presented itself as a Georgia-based corporation with favorable loan terms.

The lender is pushing you to do this to get an FHA loan.

.: Joe, HML have a balloon that would be due at the end of the loan's term, commonly 12 or 24 months.

Quote from @Eric Huntermark: Additionally, as I'm thinking about conventional loan products as well.

@Mark Sullivan if you are a buy and hold investor these loans work great.

Option 3- If they have qualified for FHA; counter the offer to see if they can qualify for low downpayment conventional loan