It saved me time having to talk to people on the phone asking them qualifying questions, and I was able to reach out to just the ones that qualified.Would love to share ideas if anyone is interested.

You are an expert at qualifying and selecting tenants.

Also connect with a lender to see how much you and your husband qualify to purchase.

the zero % is just massive credit card debt... caution on that one.great time to borrow HM  rates are at all time lows for very qualified borrowers.

Of course, if no maintenance has been deferred and you ave a higher quality renovation, you may be able to command a higher rent and attract a higher quality of qualified resident.  

So you need to find a lender who has NO OVERLAYS...or at least no overlays that affect you qualifying.

But since only her name is on the mortgage, I still qualify for first time home buyer financing.

If you have losses there are complex calculations sometimes to see if you qualify to take passive losses. 

Your son needs to get a job and qualify for the loan on his own. 

If he qualifies on his own write up a new lease .