The reality is if you had not paid per the degree, you ex could possibly have a claim against the property that would be superior to the loan you seekingAdditionally, the underwriter does not know you and does not want to risk a flag if the file was auditedLike it or not, a notarized document from your ex solves the problem. 

I have been more convinced about this in the last few years, based on better solid evidence, than I can claim to have been convinced about the color of the sky or whether water is wet.

Some of those make sense to me but I truly have to believe that if a broker is selling a property where they're claiming opportunity on the upside, etc that somethings not right or just not being conveyed in a transparent matter. 

You will need some evidence to backup your claim.

Also, if he truly believes in those he hires you would think he'd stake claim on those seeking the most education and genuine interest in his business practices, not those willing to pay up front to give another the deals. 

A great way to filter out noise is to ignore all of the gurus who claim you can make money over night with no money down utilizing their special system. 

Brother has provided bank statements and he has been generating the average income he claims the past 3 months (Feb-Apr).

My first mortgage payment is June 1st and I knew that timeline was unrealistic to have it rented.

Also, a 3.2% loan seems very low and somewhat unrealistic to me, I would be more conservative at 5% and be happy if its lower.

Every one of these should be considered at a separate trade or business level.If you decide the disregard the QBI reporting all together because you don't want to contend with the software you will either be throwing out a deduction of up to 20% of the income the activity is throwing off, or you'll be messing up your QBI loss reporting by not having the proper carryforwards and end up claiming too much of a QBI deduction in future years.