We have users in these markets getting a couple deals a week (out of hundreds of properties searched). 

OTRCH operates a couple of what I call "wet rehab" centers meaning congregate housing for persons otherwise homeless and there are several other agencies like "First Step House" etc. that might be interested in a presence in this block.Or you could cut your losses and put it back on the market under the "greater fool theory."  

I have a couple of clients that are members of M1.

I also want to combine it to one $150k  30 year fixed loan instead of having two separate  $100k and $50k loans what options do I have can anyone help.I don't want to use my own money.

Shortly after finding that my note was separated from the mortgage and sold to Fannie Mae I started doing some digging and came across this very info you're mentioning.

The reason you see a person’s name and all their entities listed in a lawsuit is because Plaintiff (the suing party) attorneys have to list everyone and every entity that can be remotely tied to a cause of action, otherwise, if enough time passes and through the legal process discover that a separate entity or just a person was truly liable and they didn’t name them in the lawsuit, they are out of luck.

The buyer finally reaches out to say that the bank is having a hard time seasoning a couple of the homes in their portfolio. 

I have been listening to BiggerPockets for a couple of months now and have been doing my own research over the past several months as well.

The only instance where I screen someone's income separately is a cosigner.

This is true whether those clients were on the optional recordkeeping program or not.I don't have a lot of details and am not personally involved in this program in any way, but I have experience with SEPiraK separately and they are a quality operation.You can reach out to info at sepirak dot com to learn more.