Have you seen the applications? 

People get to walk around and shut doors, unless they are intentionally stomping and slamming.At least so far the downstairs tenant hasn't audio-taped the upstairs having sex, like that thread a couple weeks ago.

These are assumptions, but the holding costs (taxes, insurance, utilities, financing if applicable) over the next few months combined with the selling cost (commissions, transfer tax, seller assist if you're selling to FHA buyer in a lot of cases) you're looking at about 85% of your ARV left. $90k x .85 = $76,500 - less repairs $25k= $51,000 - less acquisition $40k= $11k net profit.Consider the remaining profit you'll receive once this profit is split between partners and after taxes.I'm working on a similar deal right now and thinking that I will rent it out since the profit margin is only around $10k. 

Besides the "dont you trust me" question adding her to the application may help build her credit as well.Good Luck!

My approach, assuming the lease language is silent would be to require them submit an application and get his mother approved.

.,, they discovered it (I had purchased after I filled in the loan application for mortgage #4),they said that required mortgage #4 to be counted as my 5th mortgaged property, so I had to follow th guidelines for 5+ for mortgage for #4 and all future mortgages (make sense?).

The lender may have you fill out a credit application and pull your credit but those are not likely to be the factors that determine whether or not they do the loan.  

But each time you send in an application for approval, the lender should run credit, which will take a minor hit, each time it has been checked. 

I've been slow catching up on the pod casts, I have already watched all the youtube vids, is there a reason you don't video tape the pod casts and post them to youtube?

The system only works if you know the approximate value of N (the number of applicants).