What do you do?  

They still owe the debt and it should treated as though they do.

@Michael VelezThe best thing you can do is join a local real estate investing club.

It will have nothing to do with the local lender because they don't get to choose the appraiser or influence that at all.

For these reasons i am confident you do not need an account per unit as having that requirement would be crazy complicated (the opposite if kiss).in addition, how will anyone know that you are not following the law?  

But how much do you think you are overpaying?

Did you do this deal or was it one of your clients? 

I don't have it replace common sense or creativity but simply have it do the things im already doing 10X faster! 

I think most of us do, but the problem that I've discovered with 15% down programs over the past couple of years is the balance between the cost of the home and the rent it can garner.

What do you get for it?