You can add variable values, which can allow you to compare different situations and conservative/loose scenarios.

If you are not worried about loosing some comfort, I would suggest sticking to rent by the room, and really supercharge your FI.If you qualify for a traditional mortgage, and you are able to acquire a 5-6 bedroom home here in the Denver area for between 450-500k (with the current prices of homes) then by renting out the other 4-5 rooms that you and the GF don't  occupy, you will be able to live for free, and producing cashflow.

I don't know why it even matters about the records since the rent is guaranteed through HUD and if they don't take care of the property they loose their voucher so they have incentive to be model citizens. 

And you now have nothing to loose, you got your money!

The promise of four hours, and then it taking 10, is what really made me loose any trust for those guys.

They are made of a loose mixture of sand and mud and provide a natural protection for the shoreline, but eventually sink.

(Not accounting for everything, just using very loose math to illustrate my point.)

@Michelle GarciaI am going through the same situation in Houston market.Once a ppty comes on MLS it is not a deal anymore ,doesnt matter the amount of repairs it needs it will have a ton of offers on it and it will sell for above asking price ( so ridiculous that the purchase doesnot make any sense with rehab) .Wholesalers are promoting bidding wars .They get a deal under contract and there is no First come First serve anymore .They schedule an open showing on a fixed date and you get at least 20-30 investors showing up and it becomes a bidding war.I am currently getting to a point of marketing for my deals myself or wait it out till it becomes the buyers market.Personally i will donot know what to pick.Marketing for deals is expensive (i have tried i when i started out) but waiting for the market to flip into a buyers market is even expensive because of the rate at which money is loosing purchasing power .Confused alltogether.

Those banks have more loose lending standards and might be more willing to bend rules a little bit.

They failed to disclose and in addition to that during the first month, the tenants caused a water damage through the loose hose of their washing machine.