I had a client one time where bank waived 70k in fees just to win the loan because they wanted the relationship of someone with 9 figures of wealth.This person it could be they control 1 billion of assets but are not a billionaire.

@Christina LaBorde Doug StutzmanCertified Public AccountantChartered Global Management AccountantMauldin CPA's, PLLCDoug does a wonderful job for multiple clients of ours.

@Matt Dabek Been in this situation dozens of times for clients and my personal investing here in Connecticut in what is probably the same market you operate in.

There’s a lot to consider, but I and many of my clients got started the exact same way-househacking a property. 

Hey @Pete BroomI generally will have my clients purchase a property in their own names, giving them the benefit of all their normal financing options. 

As for the Baby Daddy as you refer to him, there will be a law, (in my lease I use 5 days) as to how many consecutive nights your client can have a guess.

I'd say I don't have enough experience to know if this is a situation that would be favoring him and his client (which could be his buddy who knows).  

Finally, with the use of Trusts while establishing these structures you can add a level of anonymity by removing your name from public record.When I work with my clients to discuss asset protection I navigate with them through: the size of their portfolio, their level of exposure and their future goals.

It's not because the bank is full of cruel people; it's because they couldn't run a successful business if they acquiesced to every "tragedy" in the life of clients.

But, I can tell you that I consistently have clients and potential clients come to me with unfortunate situations involving lease agreements (sometimes found on the Internet) that are simply not California compliant or unenforceable.