Because the beneficiary of the trust is not publicly available, your identity has good protection.

(They're basically identical except some carpeting could be replaced on one side.

In the same market and with identical bank balances, some folks will be happy with a 90% portfolio LTV and others with 80% or 60% or...

The primary analysis uses the same metrics to determine the net cash flow to the buyer.Sure the notes and qualifications are different, but the operational day-to-day conditions are identical. 

Our neighborhood is challenging since no house is identical and many homes are a lot older.

My financing will most likely be almost identical to what you listed above using an FHA loan.  

However, if you and your realtor got your numbers right, then it's less about the price and more about standing out in the crowd.The problem I've seen is that while you listed your property for 149,900, there were dozens of other houses identical to yours that went on the market at the same price.  

If she has lived in the US for 22 years and owns a legitimate business here, there must be something she can present to you to help you qualify her.If you can't verify her identity, it is a no go.

For instance, unless you are buying 4 identical houses, you will likely not maintain the exact same basis in each.

The first thing you should do is look at supporting documents to confirm their identity.