I think the idea of a separate lease is a great idea so that he leaves in a timely fashion.

Lately I have been doing marketing for wholesalers who can not get ride of a deal and want to find a buyer fast and quick.

I'd eat pb&j and ride a bike every day before I went back to trying to keep up with my broke friends.

If you made it this far then you have made the active effort to educated yourself in some way or fashion. 

I would ideally like to shop around for a mortgage lender but since they have existing relationships, I am not sure if I will have the chance to shop around for rates or if the lender who I work with would take me for a ride.5.

Do any of your ride?

It should be very clear to you if that rental income is or isn't being counted.If the lender can't show you that simple math, then it's likely that either they have deal-killing overlays, or they are over-reliant on glitchy software (which can also be a deal killer, I've literally had to walk underwriters through manual math to convince them that mortgage software doesn't understand mortgages, so here you are with the old fashioned math making it work right in front of you that I've provided yielding a 32.388% DTI and not the 74% that the software is spitting out, now go spend an hour on the phone with tech support to fix the software, and I look forward to the updated loan approval email in my inbox once you've done that and the software reflects 32.388% DTI, thanks).Basically: "Show me your old fashioned back-of-envelope math, or GTFO."

I have been doing syndications on some of my ground up development projects, the old fashion way through friends and family network.  

I received a full ride athletic/academic scholarship, so I was able to use the money that would have gone towards college tuition to fund my investment!

@Wade Garrettif the lease converts M2M 11/1, let it ride.