This can help you build credit, as their positive payment history will reflect on your report.9.

A high DTI does not necessarily reflect savings or equity or other factors that might exist that I may choose to keep private in this space. 

If you have an issue with the way the landlord (you) has handled things your options are therapy or GET DOWN ON YOUR KNEES and pray.Your recitation of events reflect the owner acted in a timely manner and you failed to report the leak.

That is not reflected in the lawsuits related to this issue.You make no mention of the escrow costs or tax implications or transfer taxes or scrutiny that is involved with a deed back.

Confirm that all change of ownership documents with the county appraisal districts are updated to reflect your information.

By the way, because I know the refi appraisals are conservative in my market, my underwriting reflects a conservative appraisal.  

It reflects components of both buildings and community areas beyond their useful life.

You don't know how many times I coul get conventional loan in this way.In my case, my actual DTI is very low, but the way the gov calculated the income is so 1990-style that it doesn't reflect our true buying power.

Make sure you have paperwork drawn to reflect that you are 75% owner and she is 25% and who pays for what. 

The process should be learn a little to know the first step and maybe the next few, then go do, do, do, do, do, then reflect upon what should be keep doing, what should be stop doing, and what else should be tried, go study a little more on related subject, then do do do do do rinse and repeat.