You get the name of someone at a bank (rather than a department) and your initial call or email is "I got your name from Jane Doe who recommended I call you based on work you've done with her clients before". 

Originally posted by @Jane Istre:I have a 3/2 that I am considering renting by the room.

Regards,Jane

Here's the short version:June 2011 Purchase by Jane DoeOctober 2013 HOA gets a lien filed March 2014 Judgment rendered to SherriffJune 2014 sold at auction for nominal amount to "Name of street" TrustJune 2014 Forcible entry and detainer citationJuly 2014 Notice of bankruptcyAugust 2016 Eviction hearingSept 2016 Default judgment for plaintiffOctober 2016 Writ of possession unservedFebruary 2017 ch 13 dismissed for failure to make paymentsJane Doe filed ch 13 in 1998 and 2014.

I'd think Arvest and Morrill & Jane's would be a little more flexible but Shawnee may just be a tough area to sell that pitch.

Make the date of the notice is more than 30 days prior to end of lease (the date of letter matches postmark if you are mailing); make sure it has the specific address you are looking to be surrendered; the name of the tenant on the lease, the salutation of "Jane Smith and all other tenants"; the body of the letter should state the date the lease expires, the phrase "and all other premises associated with lease [this covers garages, storage units, parking spaces, etc).; then state that the notice is in compliance with Wisconsin State Statutes.

So by the time they are looking for that "starter home" with a yard, in the suburbs, etc. so Little Jane can run around they inevitably have more money (or a higher relative income) than they did before.  

Hi @Benjamin Dutil,It sounds like this would fit into the Delayed Financing Exception, assuming that loan from a friend was documented/real/legit.The bad news is you have some dialing for dollars to do for someone licensed in your state.The good news is the phone calls can be incredibly quick & efficient: Hi Lender Jane, I have a question.

@Jane Wish I'd love to meet up for coffee sometime and talk real estate

Jane S. yes there is.