Additionally, your wife's citizenship status should not impact your qualification for the exemption as long as she is a resident alien with a valid Social Security number.

In addition to identifying owner-financed homes, they can negotiate better interest rates and terms with the seller and assist you in completing the transaction.

Should I agree to this so I can make some additional income, or is this opening a can of worms that I don't want to open? 

They specialize in quick and fast loans that will come with credit card like interest rates.Here are some additional tips for securing the best mortgage rate for your investment property:Build a strong credit profileSave for a larger down paymentShop around for lendersConsider different loan typesDemonstrate a stable IncomeChoose the right propertyBuild a relationship with the lenderBe prepared with documentationConsider interest rate buydownsMonitor interest rates

So If I understand this I would be looking at base rate +4.125 then whatever additional rate the lender is adding on, minus points to buy the rate down? 

Or does it present risk, that if appraisal comes in higher, the bank can ask for more, as well as take additional offers.My understanding is, they can accept my offer, or if the appraisal comes in higher than my offer, re-open negotiations. 

He probably misinterprets the law that nothing ADDITIONAL can be collected from a tenant with an ESA, but a generic security deposit appears to be collectible. 

If going to 75 ltv and additional price adjusters were just enough to make it the loan exceed fnma points  and fees test so they have to limit to 70 to meet that requirement. 2 It was a Dti issue and they couldn’t approve you for a higher loan, but presume if that was the case they would have mentioned either reason before.

Additionally, when the invoices come in, we add the invoice to the property ledger, so the owner can download or view the invoice once it's paid.  

@Don Konipol in addition to what @Chris Seveney said, also there is the financing cost.