Your current mortgage payment will not affect DTI as long as you have a future tenant lined up prior to closing on your new primary. 

You can explain that any changes to the lease must be carefully considered, as you want to maintain the original terms that protect your interests.If you decide to allow the change, you could draft an addendum stating that each tenant is responsible for their own rent.

Is that due to the long term projection looking better?

Also file a complaint with the CFPB Submit a complaint | Consumer Financial Protection Bureau (consumerfinance.gov)Regarding do you have any legal action - you can prove you do not owe it but you will not get any compensation - courts have ruled long ago the only recourse you have is actual money you lost - there is no "pain and suffering" if a statement is incorrect and you have to fight with them on it.

How long would it take to pay off? 

Regarding payment terms, the seller wants 10% at the reservation of asset (this month), 10% in a couple of month, and the balance at the signing of the deed of sale in December.

I just wanted to get some insight on how common it is to request mold tests prior to purchasing a property and testing for mold with long term buy and holds in this climate.Thank you in advance! 

They focus on finding long-term tenants, and it's a win-win as less turnover is less expense for us and less work for them. 

What would be a good example of terms to use in this situation for the appraisal gap owner financing?

I am not sorry that I did it however, the interest rate was like 28% and I don't want to be carrying that around for long.