But I don't think roommate income is a thing, and existing roommate income definitely isn't a thing if it's an apartment you're renting.I recommend you find a local mortgage broker who does conventional loans, give him/her a call, and ask to have a conversation about your borrowing limit *before* going through the pre-approval process.

I've called several banks and came up empty handed.

Is there any way that I can call the energy company that is local and have them turn the power on for the day or any way that I can force the bank to turn the power on?

I will give them a call tomorrow. 

I lost a loved one last year and it was a wake up call - life is too short to not have ANY work/life balance.

And each have said they never get anyone from the state (banking / securities division) to call them back.

Call the number on the notice and let them know the tenant's complaints are false.

Call The One Brokerage

Also, its being on call 24/7. 

@Evan Bell if you call one of the other PM's I am sure they can give you a referral