If you have any references for house hacking I'd be interested in reading more.  

As I said, still a newbie but that's what seems like a possibility.I'm not sure exactly what you're referring to, Laniece, but I bet Chris Mason can give you a well-informed response.

(Yes I'm using a gorilla reference regarding investors) these are the the investors that are surrounded by the other guys regaling them with stories of how they got their scars.  

So I am inquiring about a reputable company or investor that you can refer me to for Lease Option for myself. 

I have seen the 83 percent LTV loan you are referring too but without knowing which lenders offering it that doesnt help much.

In that case the second category applies (below).Again, these rules only apply to what the CFPB refers to as a residential mortgage loan where the note is secured by a dwelling or residential real property that includes a dwelling.Most people only carry back a note once in their lifetime, when they sell the big house, retire and move somewhere else.

You can call any real estate agency and have them refer who they use and get their contact information.

Tell the applicants (going forward) that you review applications in the order they are provided (this is the safest way to not get in trouble with Fair Housing).There are people out there who use application fees as a way to make money, but the point of the fee is to reimburse yourself for the cost / time administered in running the background check and reviewing references.

I have two tenants who pass the sniff test with landlord references, solid job, etc.  

I can refer you to someone.