I have no debt, and could easily cover debt services without the rents.We dig a bit deeper to find out why we got so far with the process, then to get denied.

I will be writing letters and I hope they don't deny me over a stupid reason like large deposits that I need know use for them to claim as income

Also the fact the agent had abandoned and estranged the client and not continued the relationship is hard to deny.

From the HUD website:----------------------In the Sale and Rental of Housing: No one may take any of the following actions based on race, color, national origin, religion, sex, familial status or handicap: * Refuse to rent or sell housing * Refuse to negotiate for housing * Make housing unavailable * Deny a dwelling * Set different terms, conditions or privileges for sale or rental of a dwelling * Provide different housing services or facilities * Falsely deny that housing is available for inspection, sale, or rental * For profit, persuade owners to sell or rent (blockbusting) or * Deny anyone access to or membership in a facility or service (such as a multiple listing service) related to the sale or rental of housing.

Their home is underwater (bought for 500k+ in '05, recent comps price it at 141k-200k).Here are additional details:-Current on payments, next payment due early next month, cannot make February payment because of engineering fee and temporary housing costs (family is staying at a hotel)-Both spouses have excellent credit, high 700’s to 800-Lender is BoA, outstanding balance on loan is 315k on fixed loan with 10 years left -House is red tagged by city, city requires engineer to do soil samples and analyze hillside risk post-landslide in order release the red tag status-Filed a natural disaster forbearance to suspend the payment-Filed claim request secondary to homeowners insurance denying the claim -Preliminary report by geotechnical engineer estimates 80k-200k to repair and install proper drainage to hillside adjacent to house-Property repairs estimated to be around 10k-Property damage:o Carpet o A couple windowso Dry Wallo Mold—water pooling from the back door, no proper dry out has been done (probably much more additional work/costs on top of original homeowner 10k estimate)They're thinking about filing for bankruptcy and foreclosing on the home.

Did they not send you a denial letter which is supposed to say why loan was denied?

He is not on the lease, I said he must be for Feb. if he stays, but agreed for him to be in there.In the meantime I started the eviction because of non-payment, and I considered the dad to be a tenant and added him on the paper work.They will try to deny that he was a tenant, so just wanted to hear your ideas and experiences.

I have actually never been denied or anything like that, it is just their demeanor and the attitudes of the loan officers.

And i have never denied him anything he needed, and want to be in a financial position in the future to ensure that I have the ability to provide him with everything he will need.That being said, I don't think an LLC or S-corp would be a wise decision for me as they flow through to my taxes as earnings.

Were they denied?