I interpreted it to imply that because an institutional lender used it, then therefore it was "good enough" for an individual. 

Communicating that you want both the daughter and boyfriend to fill out the application and be screened may imply (in the eyes of the mother) that they too will be listed on the lease and thus held financially responsible.

I don't read "If the source of funds used to acquire the property was an unsecured loan" to mean that if only say, 20% of the whole purchase price required such funds, that the refinanced DFE amount could be no more than 20% of the purchase price (which is what their use of "all" seems to imply). ie.

However, BRRR implies it wouldn't be a one-off relationship, and repeat business is something ALL agents love.

In my earlier post, when I wrote "reassessed", what I was implying is that the tax assessor office looked at the permit and determined whether it necessitated a change in value; roof replacement, window replacement, siding replacement - those typically don't change the assessed value.

A sales agreement implies contractual agreement, and a lease option with the option payment applied to sales price - all three of these can create an equitable defendable interest in the underlying property. 

You're only liable for what you know or should have known about, and you testing to verify it does not imply that you knew about the mold previously.I would say, as well, if your property comes back with significant mold in it, call your homeowners insurance. 

Sit tight implies you're not going to bring it up until the closing...?

If housing is a 'right' as you are implying then its a societal responsibility to pay for it - not just one subset of people's responsibility.Farmers and grocers aren't required to take installment payments if someone is having trouble paying,  Neither are doctors and nurses required to provide their services under such terms.   

This implies that your rent point is askew.