I qualify for the HARP, but you do not as one of the criteria, for qualifications is the property is your Primary Residence.

These are important questions that can change the qualification process.

Understand discrimination issues, rent qualifications and application procedures.

*Making sure your rental properties have great curb appeal*Making sure you have a legal Rental Lease Agreement*Deciding whether to have your lease agreement as a month to month or annual**Making sure you have a legal Application form*Making sure you have a legal Criteria Qualification Policy*Doing Credit Checks and how much do you charge*Learning how to read a credit check report*Learning how to choose Tenants*Learning how to keep your tenants long term*Receiving calls all day and night from tenants or your repair men.  

Secondly if you buy jointly with them and they pay the mortgage for a min of 12 months you can remove this obligation from your debt to income ratios or qualification.

Have you ever had experience with that loan type or been contracted to do the audits for them and if so, can you run through the basic process or any pre-qualifications that need to be met prior to approval?

So you might not be able to use that rental income (on paper only) to boost your mortgage qualifications.

Better rates and options to convert to permanent financing but requires slightly better qualifications than a HML.  

After the pre-qualification, I would contact an agent.....

If they understand clearly that 3x monthly income, no evictions, credit and criminal (whatever you choose), and required funds upfront with a lease signing to get the keys are the minimum qualifications....