Just ignore the overall score and mortgage payment items. 

They are basically making new policies pay for the losses of the past. 

A mentor will be very good in helping you with growing pains, and avoiding mistakes that could cause losses and delays.

Itemize all repairs needed ( get real proposals) include $15/hour for your time for whatever you do yourself, then subtract from SD, supply past tnenant with documentation of those costs and return balance if any. 

It is expensive because the loss ratios on rental condos are very high.

W-2s for the last two yearsSigned Federal tax returns for the past 2 years for self-employed borrowers and rental income/loss MAXIMUM FINANCED PROPERTIES The maximum number of financed properties that the borrower(s) can have is four (4).

To collect on the personal guarantee, he would need to foreclose, establish a value, and set a loss to collect on.

She actively seeks them out and posts them on Facebook.Having that said you CAN get away with not having a permit in the short term (some smaller items you might be ok in the long term) BUT it will catch up to you at some point.

I have asked for these items to be fixed but seller could go with a good backup offer they say they have, which I don't doubt on the property.My down payment is $65k and it probably needs a solid $10k to start with.

The Loan Estimate will not have number line items as found on the GFE, this will leave three main categories under Loan Costs: Origination Charges, Services That You Cannot Shop For, and Services You Can Shop For.