This is now a firm policy.

That is based on type of policy and construction value of the property.

It reads as though the property can not be marketed by anyone other than the official owner, and therefore could not be marketed by a wholesaler, who has both the intent and the means to close on it themselves, prior to closing with the seller. 

. §1.165-9(b)Property converted from personal use(1) If property purchased or constructed by the taxpayer for use as his personal residence is, prior to its sale, rented or otherwise appropriated to income-producing purposes and is used for such purposes up to the time of its sale, a loss sustained on the sale of the property shall be allowed as a deduction under section 165(a).(2) The loss allowed under this paragraph upon the sale of the property shall be the excess of the adjusted basis prescribed in § 1.1011-1 for determining loss over the amount realized from the sale.

A lot of policies will not cover existing problems.

But we will be heavily subsidizing, while getting more privacy and comfort than our prior 2 family up/down home. 

We also include a lock-out policy in our lease that charges for us to come over.

Because of your age, you do need to have this relationship established first - prior to making any offers on a house, as the offer will need to come from someone else or a business entity that can legally enter into a contract.

She's here in Phoenix but I'm pretty sure she writes policies all over the country. 

The listing agent wants a pre-approval letter prior to showing a house my boyfriend and I are interested in.