I tried to run credit, but they had insufficient credit history, so I waived that requirement.Issue is, currently has been a struggle getting them to adapt to an online system to pay rent.

If you can document that extra income, you should be okay, but only the bank is going to be able to answer that for you.

Quick & consistent rental history as leases usually end in summer; prospective tenants enjoy outdoor seating/patio area Lessons learned?

@Michael Almeida on conventional market you need 2 y employment history unless you are a recent grad.

He showed up to the closing and we signed the documents with 10 mins to spare!

Many people are correct in that they are most likely yours to keep, however, you need to consider the implications of the gun's history.

In most states it gets flagged by something called Lis Pendens which is a legal document that the bank is sending to the borrower saying you haven't paid your mortgage and we are moving forward with the legal process to foreclose.

There would be no taxable gain in this situation and I am still able to claim my deferred losses.Eamonn - please document this rare occasion when we're in agreement  :)Jon - here is another way to describe your situation:Assume that your took $20k worth of depreciation.

Oh, can't your wife piggyback off your credit history if you make them an authorized user? 

Its understanding the documents you sign.