I actually signed an initial set of disclosure docs to agree to this rate for a duplex that I'm closing on.The lender reached out to me with new documents today stating that there is a change in loan terms.

Know the law, document everything, and make sure everyone on the team knows how the law applies to their functions and acts accordingly.

Just never tell them what you are doing.Another way was to do a "Lease Option", a set of two documents that makes you a renter for a period of time and you then have the option to purchase at a certain price. 

I will send him the executed documents for the contract.I am preparing a list with the upgrades that we have done.

Top of page 3 notes “anyone engaged in mortgage business”.https://www.com.ohio.gov/documents/fiin_HB199guidance.pdf

Once we decide on the details, how do I go about documenting everything?  

However, this is where documentation comes into play.

@Aaron MoayedYou may be able to search 1st the County Assessors site for previous owner and then the County Recorders site by their name to see all the documents that have been filed including Judgments and Judgment Liens.

The only issue I see is the documents will repeat the word “the” in declarations. 

I wired him the origination fee of $1700 and he sent me this email this morning:"The loan has been originated and documented and all process from my end has been completed for funding.