We also caught a lot of lucky breaks along the way like: a very friendly banker, access to private loans from partners and family, baby booms looking to move out of state and off load property at cost.

I didnt' take it that way ;) we always cool baby hard to say what OP will run into. he says DTI is low, that's great, he has equity, that's great, then why doesn't he have any cash?

Since it will be owner occupied you would probably qualify for a lower down payment and interest rate too. The

Moderator, this is not a solicitation.Congratulations on the baby on the way. 

Last thing I want to do is put my family in a bind, but fortunately the baby isn’t due till December.What would you do in my shoes?

Hudson Marshall told I could call them too the day before or day of

Baby steps right?

Ask them to write their story out, make up your own, maybe set up a website, maybe get some old porcelain dolls in there, and Airbnb that place as a genuine haunted house all the way to the bank, baby.

Congrats on the upcoming baby!

We have our work crew ready with a toddler and a new baby coming in September, good times.