My lender whom I trust, was certain that the underwriter would not sign off on my loan because I am having my parents co-sign with me so that I become eligible to purchase.

I grew up remodeling homes with my parents in what I would call "long-term flips". 

ORIGINALLY FROM THE LOS ANGELES COUNTY, PARENTS CURRENTLY LIVE IN COVINA CA.

He is withholding about 1k for general wear and tear things and ventilation cleaning due "to a strong marijuana oder".

Bought a duplex for $133k, bought with cash and personal loan from parents.

Though in the rental laws it states that landlords cannot withhold funds for normal wear and tear.

The IRS recently provided guidance regarding eligibility under the CARES Act and specified that a qualified individual includes an individual who has a reduction in pay (or self-employment income) due to COVID-19.Distributions:If so, you can take a penalty-free distribution (as well as waive the 20% withholding requirement) from your 401k (assuming that the employer allows it) anytime between 1/1/2020 and 12/31/2020.

My parents won't cosign and neither will hers, and we can't qualify because of the 2 year income history that you need.

Divorce, death, fire, flood, tornador, redo basements, parent die? 

What would your response be if someone said "While living at home with my parents I got free rent, therefore I should get free rent while I live in your property".