There’s no risk and all reward because if somebody can’t provide ID, they’re not going to be able to rent from me anyway.  

They need a contract with email addresses and social security numbers to provide the amount.

In the future, I'd request a "soft pull" from a lender and provide them with your estimated credit score to get a rate quote.

However, our goal is to help 100k investors obtain financial freedom - hence the reasons why we provide many videos, podcasts, programs, and services to help with this journey.Unfortunately, we cannot promise that every deal we help you get under contract will close.

Is her goal to be nice and provide some of the gains or reduce her taxes by trying to split income between her and her ex?

Always good to know of other companies who provide products and services!

With the numbers you provided above, you will have to ensure you have healthy reserves.

There are too many factors to consider to just provide base rates for what you're asking. 

Assuming this is a clean file, with no exceptions required, most Underwriters take anywhere from 48-72 hours to review a loan and get CTC, or provide further conditions. 

Be sure to check out the free tools BP provides to help analyze deals you may have and also market insights.