He could have done 23 years (unusual) but needed the payments to be close to his BAH base allowance housing so he got the full amount. 

The pull will be to bend the criteria when you are desperate and it NEVER ends well.The marketing advise is the best.

@Avery Carl - I'm looking to buy a STR in Bend, OR.

Although the owner provided significant items and services to guests, they were of a type that is not unusual or extraordinary for the online rental marketplace.The IRS concluded that the net rental income from this example constituted “Net Earnings from Self Employment (“NESE”)

In-house appraisers and Community Bank lenders that bend the rules because of the volume they get…???

I can provide you with the contact information of my CPA, who has a PhD in Mexican taxes and can assist you further in this matter.Regarding agent commissions, it seems that RETA's commission is unusually high, charging around 10-12% to the seller.

Think about working with a mortgage broker who knows a lot about unusual loan options and can guide you through it.Good luck!

@Lyle CooperThis is not unusual.

It's not at all unusual for companies to have conflict of interest and ethical contracts or stipulations for its employees or associated vendors. 

If this is unusual, is there anything I can do about it?