Some lending programs are more or less (there are various programs) but in general 50% DTI is max.In order to ensure you accurately plan for your future mortgage its good to know up front how these situations would be affected and what borrowing power you will need when the come times to purchase this upcoming "condo."

I asked if I had to do anything like call the tax department that has the lien and let me know there are excess proceeds and they said no I didn't need to do anything.I guess I'm good then.Thanks for the helpRay 

Right now, I'm pretty suspicious.The good news is that her credit score is over 750, and I usually want over 700. 

You are most likely going to have the best luck of finding a good seller financing deal by searching out motivated sellers yourself, building rapport and then explaining seller financing.

Can anyone recommend a good accountant that specializes in STR tax strategies for W2 earners?

Make sure you put together a good local team to help. 

I am declaring primary residence but will live elsewhere as my lender only requires "intent to move in by 60 days" with no proof of move.Three units - $4200 rent income1st unit (3 bd 1 bt, ~1000 sq ft) is currently vacant, previously rented for $1600.2nd unit (3 bd 1 bt, ~1000 sq ft) rented month to month at 1050. can get $1600 as well.3rd unit (2 bd 1 bt, ~800 sq ft) rented for 1000 until April 2025. can get closer to 1200-1300.

They will also outline a good timeline and tips to help you get the best loan possible. 

Also in your area that is a little rural if its well and septic makes sure those are checked by professionalsif it has city sewer make sure you do a sewer scope on the line running to the street.. and of course make sure roof is good etc etc.and for sure you can offer what you want to pay.. they may not accept it but its up to you.also ask title company to give you current owner.. and if you want simply make a back up offer in cases the wholesaler cant close this happens a lot and you get a better deal. 

I need a good accountant do you mind sharing his info