The way that things like this are typically handled is that if a lawsuit were to happen, since both people have been behaving under the assumption of a lease (the landlord renting their space and the tenant paying rent), they would probably treat it as if there was a standard month to month lease agreement.  

Amazing how many people want to house hack and then find out the should have roommates and the idea of being an investor ends.

I recommend going to deals analysis and posting the projected numbers along with your overall experience and let people comment that way.

Its a tough subject because logically, they are joint and several guarantys so rationally a 100% guaranty from each of two people (one 740 one 680 for example) is ALWAYS going to be better than just one 100% guaranty from someone at 740 (so it wouldn't make sense to have a better rate for the latter)The problem is that there is fraud and "straw borrowers" out there where someone who is not involved in the property signs on to boost score and terms - so many DSCR Lenders in response either do the "non-rational" thing and price to the lower to avoid the fraud or use the higher of the two (and either be a little loose with things or just stay vigilant on any funny business)

But we are backed up by a large group of successful people who have done this for years, as well as an advisor that has been wonderful!

I'm curious to hear other people's experience getting utilities activated for inspections or appraisals on HUD homes while under contract.

Is there anything people would recommend to help outside of excel spreadsheet (which is what I was thinking of) . 

If they don't know where they are going, no matter what else you talk about, you aren't buying that house unless you can solve the problem of where they are going.The most colossal mistake in all off-market acquisition is that people use the same dumb scripts for all sellers and they almost always talk about a cash offer.

I have joined a couple of groups on FB, and connected with some other people here.

I was still confused when I went online to check my history, but in the end, it did go through and Titan's staff was helpful so I'm not blaming Titan for any wrongdoing.So, overall, I like the bank and all of the people I've interacted with so far (except for the one guy who gives the same blanket response of "speak to your attorney or accountant" no matter what I ask...