They are not allowed to discriminate based upon race, color, creed/religion, sex (though it does not state it, I am assuming this includes sexual orientation), disabilities, familial status, or national origin.

Some local institutions who carry their own paper should be able to base the income of a property of a reasonable proforma based on current or appraised rents.

I have been told to shop around, IRRL rates will differ per banking institution. 

we use national tenant network.  

This is a great place to network and there are a ton of great professionals here locally and nationally that can offer tremendous insight.

I do that by both researching national trends and local.

They cater to lending for Canadians and Foreign Nationals, as a matter of fact, that's all they do. 

Welcome to the BP nation.

@Daniel Moctezuma I have worked with Mike before and had great results, especially in situations that are less than perfect ( fico >720 and ltv >80%) and he might be able to help raise your score so you qualify for a better rate.Michael Plating ThePlatingTeam.com at Inlanta Mortgage(630) 230-8407 direct(630) 842-3328 cell(630) 297-4657 e-faxClick here to fill out an applicationIL license #031.0010744/National license #19712018 years of experience here to serve you!          

I used my low APR Frequent Flyer Miles credit card, got some miles out of the deal and paid one months interest on carrying the $22K.For  Superstorm Sandy it was a little different because the insurance money was coming from National Flood Insurance Program / FEMA.