Possible solutions:*Tenant/seller sign to have tenant leave by Jan 1 and take that to the underwriter in hopes that will satisfy requirement and let me close Nov 30 (loan officer says it won't likely work but that she'd deliver the document to underwriter if we did it)*The tenant agrees to leave by the December 15 contract date, possibly with financial incentive for having to do 2 moves and possibly storing furniture if his next lease doesn't start until Jan 1*Request to extend contract to Jan 1 with seller which they could reject, plus RESTART loan process and forfeit money into the loan so far (loan originator won't extend the date of Dec 18 even though she didn't tell us about the vacant requirement on day 1 when I applied (3 weeks ago)). 

Last night the lady asked for the measurements of the bedrooms and then said "sorry" my son's furniture wont fit in the bedroom because it's a queen sized bed".  

Do you rent the furniture?

I have all the rented furniture ready to go.

This would be a much lower debt number, which could sway your DTI ratio to the good side and let you keep that extra cash in your pocket to help with closing costs or new furniture!

Please be sure that you remove all of your possessions, including any furniture, food, plants, and trash.

I just moved out of my parents house and spent all my savings on furniture and a car for my fiancé, so I have no savings left.

Do an open house, but have it cost you nothing, or make a few bucks by having sponsors, who kick in some money to help fund it/the flyers; I work with local coffee, flooring, furniture and financing companies, who all get some promo out of it.

Sometimes its the speed of the deal, sometimes they want you to buy all the furniture from their passed mom's house that they are selling, sometimes they want to sell to you but "rent back" the house for $1 a month for three months while they find a new home.Your negotiation is all dependent on YOU finding their real problem (sometimes it is $) and solving it.

Does anyone have any experience getting insurance for staged furniture or suggestions about how to be protected in case of a loss?