She can't pay her 10% of rent even with Section 8, doesn't have a working phone, doesn't have a working car. Is

I was just calculating my debt to income ratio and after my car is paid off in March I shouldn't have any issues with DTI anymore. thank goodness.

When writing your offer, regardless of how much you are asking the seller to carryback, and assuming you're getting 1st TD financing, the way to write the offer is the ask the seller  in a separate addendum paragraph to cary X$ @ Y% interest for a term (pick the number of years with our without a ballon) which is "Subordinate to buyers other financing at the close of escrow".I structure it that way so I have flexibility in how the senior debt is stacked e.g. bank 1st TD, HML 2nd TD (to improve and payback relatively quickly) and the sellers.

The CEO Cary Burch is an industry veteran and previous lender - so they know their stuff.

I live in Cary/Apex outside raleigh.

Dude seemed nice so I got his number to schedule a service and talked to him for maybe 5 min (he had someone coming to help him, he had ran out of gas in his gf's car).I called the next day and scheduled the appointment for today from 5-7pm.  

I would imagine Cary is stricter than Raleigh. 

I don't plan to pay off my car... I

If you're car is full of crap and dirty, guess how the house is going to look.

Thats my dream car, I literally scream and act crazy when one passes me :lol: