But your still stuck with a promise to buy the property out in case in a certain amount of time.  

Case in point I have 4 HELOCs, 3 of which are maxed and probably 5-10 credit cards and my credit score is over 800.

This may not be the case in your market or properties, and sorry if this is a "buzz kill" for an otherwise happy post, but wanted to mention since most folks don't consider this when buying and holding since they assume that as long as it is cash flow positive day one then that is all they have to care about, and appreciation should be ignored (even if it is negative), which is not the case IMO.

Just try to think of anything that might help your case.  In

Case in point...she thinks she has foreign policy experience because she can "practically see Russia" from where she lives...

Was this the case in your deal?

It's amazing how much easier it is to obtain loans because of a corporate job that's often significantly more vulnerable (at least was the case in my former situation) than in self employment.

Certainly not 100%.2) Many hard money lenders require some of your own case in the deal regardless of the values.  

@Hoa NguyenHaving an underlying mortgage and selling by a cfd is not something I recommendSince that is the case in this instance where you remain on title and have a recorded mortgage against you the lien holder will require you to hold insurance and pay taxes.

The lease I use is a mature document that has been improved every year over the last decades based on issues that came up, after every major court case in Wisconsin etc.