(including  270,000 in student loans whose payments were supposed to start in June.)

I am a past Rich Dad student and went the elite education route and committed to a $27k package after taking the 3 day course.

The wife also has about $50k in student loans (which she's paid promptly).I've been looking for help reading the credit reports (these are TransUnion reports from Zillow).

Second is all of your recurring monthly debt payments (PITI, auto loans, student loans, minimum credit card payments, etc.) divided by your monthly income.So, as an example (specific numbers would come from your lender): a lender may allow a maximum 33% for the first DTI calculation and maximum 45% for the second DTI calculation, and they will require that you are within both ranges for both ratios. 

Oh for crying out loud. 

Because we wanted more room in the kitchens of the apartments below, several years later we took out the chimney brick all the way down to the basement (this we did ourselves with the help of hired students in about two days). 

I know there are a few areas around the campus that most students and their paying parents will stay away from.  

Since he offered the 0 interest rate, he can cry a little later on as the IRS imputes taxes as interest, while it sounds good to be no interest loans, if you devise that with a seller, it can bite you later on if you fail to  disclose the tax effects.

I have also collected rent in cash from a few of my college students.

Sounds like you sellers were very good guru students.