You do not need more leverage, you can reject any applicant for any reason as long as it does not violate the protected species regulations.

I actually read the policy and saw both of those exemptions/exceptions but wasn't sure if they were applicable and had planned to meet with an attorney this week to discuss this further.

and have 2 applicants (co-applicants that are boyfriend/girlfriend). 

Glad to have you on here.Advice for this site...1) Set up keywords for your area and interests so that you're notified when they're used and then start interacting.2) Read through  The Ultimate Beginner's Guide3) Go through applicable blogs and podcasts as there are a lot of great resourcesAdvice for REI...1) Pick a strategy and study up on what you need to know/do for the 1st step and then do it, then repeat for all following steps until you have completed your first investment then repeat the process and keep learning.

The Pre-Qual is done by any RE agent/broker and thus has no weight with experienced sellers - - as I said, the loan application can still fail.

The best thing to do is fill out an application, get you prequalified and open a discussion on the deal.  

They look at your global financial picture to see if you are lendable and one bad investment can cause if an application to be rejected. 

Any room rental use not conforming to these conditions shall be considered a boardinghouse, lodging house, hotel or motel, as applicable, and shall be subject to the requirements for that use.A. 

Since you have licensed agent I am guessing you have Realist or a property tax application available$15.00 - post card design and create$35.00 - 500 postcards shipped to you (single side)$170.00 - 500 postcard stamps$30.00 - Printer ink to run them through the printer and put on addresses and return addressesGo into Realist and pull up a specific area where it was purchased 10+ years ago and is not owner occupied.

They would bonus him just to take the loan application, regardless of if it had any chance of closing or not.