Broker gets the points for taking the application, writing up the docs and processing etc..Doing this keeps the loan compliant.

As far as doing consecutive 6 month LO's, per the statutes that would still mean the applicable parts of Title 2 apply.The purpose behind the 180 clause was for temporary leases that are used from time to time with traditional purchases.

The family member does all the foot work of finding and application of new tenant and H takes care of repairs needed and picking up rent.Very down to earth.

Are you getting no calls at all, or are you getting calls doing showings and no one applies, or are you getting applications but no one passes your screening?

As for smoking we don't allow it even so we had someone set a couch on fire.Your application will be a little different, include majors and do a web search on them for your screening. 

It sounds like you have a very complex situation, where a bank may not feel like venturing unless everything else about your application is iron-clad.  

Also, once you get the multifamily, it would seem the VA guarantee would make you a stronger applicant for your primary....because the investment property is risky....ask a mortgage broker or loan officer.

Banks often take 30 days or more to deny an application.

If your rental is smack dab in the middle of UMD campus than you might be limiting your applicants to much and need to stick with the college students (maybe consider a cosigner though for financially weak applicants).  

Looks like your standard skip-trowel plaster application.