@Wayne Brooks that's what I was thinking he can't but yes those are the words out of the ladies mouth and she has all of her senses they basically had her sign a waiver and told her it was it was something stating that she did have to show to court to count inventory so she basically didn't know what she was signing!

You can count 75% of the rental income from the other units towards your DTI's. 

Outside of that, they shouldn't count towards your 10 mortgage limit but doing one commercial loan per property is terribly inefficient and doesn't cover up what you're doing very well. 

If you decided to buy her out, then you would count the buyout amount as part of your basis and that would negate any deferred capital gains for you related to her portion.

The lender has both my current mortgage (as it's not under contract to be rented, since im living there) and then the future mortgage counting against me. 

But if I take out a withdrawal from the rollover investment that I have now, it may be taxed and a penalty of 10% may be applied right away I am afraid especially as it won't count as a principal residence. 

Count me in!

@Gabe Amedee I’m having difficulty with the rsvp, however you can count me in.

Since you are apparently looking to resale quickly, this could be a major issue....which is what he is counting on.  

Going to be hard with no income, or if you cant use your rental income to count.