If you take someone with really poor credit, depending on the situation (excluding medical bills for example) what makes you think that they will improve their track record in three of four years?

We are currently getting ready to develop a medical office building.

You see the thing is, the current tennant is operating a medical marijuana dispensary and he needs to expand.

The bully supposedly got suspend for a month and his parents are now suing Casey's parents for medical bills.

She told me I will find she filed bankruptcy 4 years ago due to her son's medical bills and "the economy" but she has been in the same rental property in texas for 4 years and is "a great" tennant.

No offense, but just jumping in, as is often recommended, is as dumb as doing surgery on yourself because you read a medical book.

If you have a close friend or family member and want to rent to them and you are ok to work out any issues that might arise between yourselves without court intervention then you may have a 'room mate' to help with your mortgageI am not an attorney or accountant. 

It's a win-win in my book.If you go with the 15yr, yes you will pay it off faster, but you are stuck at the 15yr high payment no matter what happens and that could come back to haunt you if something drastic happens and you have huge medical expenses or something like that.

Due to medical expenses.

I have seen this done before on larger deals ($5M+) and in my medical opinion, even if it's legal, it often isn't honest. :-)The entire reason to provide a proof of funds to a seller is to credibly and authentically demonstrate your intrinsic ability to perform the financial obligations of the contract.