Once they had the verification we've never had a problem.

They are all identical in size, bedrooms, etc. decor is just slightly different.  

Re: offering to pay the first three months of mortgage payments, that's very generous and a good thought, however there are some logistical ramifications to that - primarily that the mortgage originator is very likely going to resell the note in the first month or two, and so before all three of those payments are due they'll need to be paid to a new servicer whose identity you will not know at closing.  

I also found guides saying that the minimum credit score required is 620 and that there is no income verification (no W2s, tax returns, etc).

From what we’ve seen, these are their friends or “Brothers from another mother” this is what we’re talking about please seek outside verification and in our opinion, stay clear of dishonest groups like Crestcore who get their friends to defend them online.

Payments were basically identical to doing a 95/5 loan with PMI

I offer a commercial rehab program, but it's not available in NY at this time---general highlights below:Up to 80%+ LTV30 year term, no balloon, no lock-out$350,000 to $3,000,0005, 10, and 30 year fixed rate optionsStated income- no verification of borrower’s incomeOffice, office-warehouse, office condo, retail, mixed-use, multi-familyAvailable in- AL, AR, FL, GA, IN, IO, KY, MI, MS, MO, OH, PA, NC, SC, TN, TX, WVRegards,Scott Miller

Almost identical to the second eviction described above except I'm still waiting on her move-out date (she says this week).

We won't take a letter/Verification of Mortgage from an individual...let alone a family member.

Thats the verification process.