I have been married just under 4 years and my wife and I have a beautiful little girl. 

Just an observation and one girls thoughts, Best of luck to you.Melissa

He was concerned with him getting stuck with paying the whole rent and the girl getting away scot-free.

Be an errand  boy/girl, lick stamps, make phone calls, etc.  

That alters the rate.In all of those scenarios, you should have a trusted advisor you can call to ask questions, pitch a variety of loan structures and get a good answer on a ballpark rate (because until you lock, you just don't know).Just one girl's opinion.  

I dated a girl who drove a $1500 Subaru from Fairbanks Alaska to San Diego.  

Background on me:I'm 25, married to an awesome, business oriented girl who will test next week for her real estate license in WV.

Background on me:I'm 25, married to an awesome, business oriented girl who will test next week for her real estate license in WV.

I'm 32 years old, born and raised in Baltimore, MD (just outside of Towson), married nearly seven years to the genuine love of my life, and father to one beautiful little girl (almost 5) and two awesome little dudes (3.5 and 3 weeks).  

The other two prospects: Two younger girls with two large dogs (Shepard mix) and the total gross income is about $5000/monthsOne MBA student who has his parent co-signed (with highly qualified income).