Good faith estimates? 

It's not you being inhumane, it's you working towards your goal and offering a good faith solution after they have benefited from (what sounds like) lower than market rent during their residency.

And if you are using people that you have full faith and confidence in - then execute the plan. 

In short, “The Ability-to-Repay/Qualified Mortgage Rule (ATR/QM Rule) requires a creditor to make a reasonable, good faith determination of a consumer's ability to repay a residential mortgage loan according to its terms (Bureau of Consumer Financial Protection).”

I have absolutely nothing to gain by discouraging someone like you, especially someone with the same kind of pure and perfect faith in an investing strategy that a priest has in Christ.I have repeatedly tried in my BP posts, however, to bear witness to the realities of what it's like in my target area, working as a self-managing, DIY, low-income landlord in low-cost properties.

They will ask you for a GOOD FAITH deposit most likely $200 to $500In the new construction home buyer don't pay Closing cost SOMETIME , saler does.

Get a good local real estate agent and be faithful to them.

But your post made me wonder if all of a sudden all the stars have started to up for me to finally see the light and make that leap of faith!

What she chooses to do with it is her problem, but it shows you've tried to deal with the problem in good faith.

(a) filling out a financing application accurately/in good faith (b) maximizing loan amount to buy and rehab(c) deciding whether you want to proceed to close—i.e. whether it’s a good deal/worth it(d) putting together a a business plan for peace of mind, or to show prospective buy-in joint venturer(s)I’ve given Dayton, Cincy, NKY some attention.