And to your last sentence, I'm not sure there is a workaround to avoid mortgage lending rules, especially if your loan is to a borrower who is also occupying the home (given how sensitive the CFPB is with owner-occupied loans).Sorry for the segue...https://www.nolo.com/legal-encyclopedia/whats-the-...Abel the description above by Shiloh makes zero sense as you know.. a mortgage and DT are the same thing just different names basically and a note is either secured or NOT secured... can't be both  LOL  ugh BP sometimes some really bad info floats around here.

A 10% increase after a claim really isn't that bad.

And you're absolutely right, just because the mortgage may have been a bad deal does not make it fraudulent. 

DTI is bad. 

The request for blinds in the kitchen does not seem bad to me.

-Would partnering with someone be a bad idea?

House Value 330,000.00 Loan 105,000.00 Current Mtg 1,200.00 Rental Income 2,200.00 VA Apt Rent 1,800.00Numbers aren't bad, but here's my dilemma and I need some advice or opinions.

Yep, I got the bad one first and I learned a lot.

Don't feel bad about not being "supported" by the "family member" that is an agent, but not supporting you.

There's been cases when someone bought  dozens of properties subject to, fell behind on all of them because of tenant problems on some of the properties, resulting in dozens of motivated sellers, thinking they solved the problem dumping the problem on a rescuer, losing their homes, and having bad credit to boot.There were extensive discussions on real estate boards regarding the issue: Subject_to_problemsIf you're taking about a 2 year master lease, maybe you're thinking of leasing with option to buy.