We signed the lease and the tenant moved in the unit in Nov.

My wife and I have obtained three traditional loans and one lease with the option to purchase, resulting in most banks turning us down based on debt to income (non-portfolio lenders). 

We sign leases with nonprofit and for profit companies who provide structure and services to people in recovery.

There has never been any sort of lease signed nor has she ever paid anything more than a few electric bills which are next to nothing since he has solar. 

Everyone associated with living there and/or paying for the unit goes on the lease.

Creative ApproachesIf the organization is hesitant about a sale, consider proposing creative terms:Seller Financing: The non-profit could retain an income stream from the property by financing the purchase.Partnership or Lease-Purchase Agreement: Offer to lease the property with an option to buy, giving them time to evaluate the relationship.Donation or Support: Consider including a donation or offering support for their mission as part of the deal.

Finally, the insurance provider repeated their answer, and this hurdle too was crossed.Very early in the process, we sent over leases for our rental properties.

If not, I'm guessing it would be treated as a traditional rental loan, either conventional or DSCR, using market rents rather than the rent in the lease agreement.

Originally a 30 year lease, theres about 20 years left to an advertising agency. 

But if you're holding long term with no plans to sell in near future - better to get them leased up!