At my folks' house, it was not unusual to have crows fall down the vent pipe (trying to keep warm, overcome by the fumes) and try to escape through the toilet.

A title opinion from an attorney may be accepted to meet title insurance requirements, I'm sure Chris can overcome such issues, but not all closing agents are attorneys.Unless there is a benefit of using a CQD by the advice of your attorney, I'd suggest a special warranty deed be made providing a degree of good warranty of title while excepting out any liens being assumed.

The cycle is such that greed overcomes fear, and the people buy.

If you truly cannot overcome your DTI situation, you might look into locating a duplex which is owner financed, or just suggest it to a landlord who is leasing a duplex.

- How do I over come this?

We also have a huge millennial pool of buyers 33 and over coming into their buying years too.

:\Rental income from the property you are buying may be sufficient to overcome the issue, however. 

But this these are exactly what she really wanted.As far as them being built in communities there are a lot of hurdles to overcome. 

It's been a great way to overcome some initial objections with local Realtors to sit and talk to me about Real Estate.

I am having a difficult time overcoming the fear of overpaying or loosing my shirt on my first property.