@John Arendsen  no mystery to CF on the debt side they are just HML  and if you equate it to CA lending rules were your allowed to fractionlize DT's they are basically doing the same thing pooling investors into a debt instrument. . they get rewarded with the points and servicing fee's.

You will need income statement, credit scores, proof of residence for the past two years, you need to have a debt to income ratio less than 43% I think it is. 

I check the listings to keep up on prices, do my reading here to keep up on things, paid off all debt except my mortgage to start building savings and building my credit higher, I also have access to 120k if need be, I feel a bit stuck.  

Others have helped me and so I am just paying my debt to BP.Don't worry about a healthy kickback.  

I would have not gotten myself into debt....

In general, How is DTI measured in relation to discharged debts still being paid but not reaffirmed?

The grantee is going to have a gift tax applicable to them, they could have less of a tax burden with the forgiveness of debt from a seller financed note.

@John Cannon  not sure who all those people are.. but you can do sub too on any property.. with any lender.. and any lender private or not has an alienation clause in their debt instrument so they can call the loan if its alienated.

A borrower who files bankruptcy has protections under the bankruptcy law for debt collections.  

I sold my investment properties to pay off my debts and provide basic income to support my family yet the job market did not recover fast enough to avoid bankruptcy.