My civilian boss and reporting senior (one or two star) don't care as long as my work gets done.

You will either need a solid balance sheet and impeccable bank relationships or, ideally, work with an American citizen/partner with experience who can facilitate you on the lending side - agency or conventional.

I am a retired 63-year-old military veteran considering giving a rental property to my only son, a 22-year-old senior in college.

I do believe though a model with sub too does pose more risk ( as remote as it is ) but there is always a risk of the senior loan being called..

My guess is you are dealing with counter review staff, but your engineer needs to elevate this to senior staff who can make an alternative decision.

Myself, Melvyn Mangion, live on the island of Malta where it is within the culture of Maltese citizens to purchase their property.

I am a retired 63-year-old military veteran considering giving a rental property to my only son, a 22-year-old senior in college.

My goal is only to make sure I have the wherewithal to support myself financially during my senior years.

For all you know, your cousins girlfriends dad is the senior underwriter at some private bank that's just aching to lend!

I am one of the senior coaches in creative financing on BPSearch here "Brian Gibbons Thanks" and you find hundreds of BP folks happy with me.