Your current mortgage payment will not affect DTI as long as you have a future tenant lined up prior to closing on your new primary. 

Also file a complaint with the CFPB Submit a complaint | Consumer Financial Protection Bureau (consumerfinance.gov)Regarding do you have any legal action - you can prove you do not owe it but you will not get any compensation - courts have ruled long ago the only recourse you have is actual money you lost - there is no "pain and suffering" if a statement is incorrect and you have to fight with them on it.

Long story short it cost me a deal plus more money (Besides the sign up fee (5k not 4k) plus the monthly cost of 160 to 180 for the "subscription" as well as the EM, Termite reports etc. and not only caused issue with the seller and their realtor but mine as well.

@Tiffany Da Silva how long have you been at your primary residence?

Consider how long this might take, then double your estimate if you really have no idea.

Once they have lived there 12 months, they can stay as long as they want provided they don't violate the terms of the lease to the point that you can evict them for the violations.

In addition to being a long-term real estate investor I have been a commercial/res appraiser, historic property renovator/contractor, property mgr and more so I don’t mind properties with issues as long as they are fixable and priced accordingly, and my investments are all about the numbers (NOI/Equity).

I would probably borrow a little more than $100-$150k if I could to keep more reserves.All I can do is mention my favorite fellow long-term operator and handyman in P-burgh @Jim K..

As someone who has been investing in the Tampa Bay area for over 20 years, I can tell you that it's a market with great potential for long-term rentals (LTRs).

BRRR, short term rental, mid term, long term, house hack, etc???