Your ratio is 12% (6K/50K).When you cancel the 3 unused, your ratio jumps to 30% (6K/20K).That makes it appear that you are much more extended even though you may look at it like you are reducing.

Check with the power company and tell them what you need they may offer a similar program.

Bank didn't do a real appraisal but their program had it at $85,900 so I can pull another $10k back out of it pretty easy.

I also used "My Smartmove" to check credit, its a great program.

I went back and took a look at the HUD sheet and it appears that they wrote my deposit down as $35k instead of $25k.

And it further follows that for unsophisticated buyers there should be more information and transparency, not less.Across large amounts of advertised inventory at large companies, the average gross rent yield appears to be around 15%.

His tenant got kicked out of the program after being busted with weed.

Mike is right, you'll have to look at grant programs, or USDA etc.

HAFA is still a garbage program but some lenders will work it better than others.

The owner is a long term investor (Landlord), and appears to not be so motivated.