@Shanae Williams Check our SCORE in your area. https://www.score.org/resource/business-planning-financial-statements-template-gallery?

For qualification they include usually minimum payments on credit cards etc not the principal.If you're really low income, maybe it's better to find a lender who does "stated income" but there need to be proof: bank statement etc.I'd try another loan officer, maybe mortgage broker who would search for different options.Take a look at the topics here: there were explanations how Rental income would count and @Chris Mason even referred the source where to get the info first hand

Mike were talking about you today, He just got an Email from Ben Frederick saying some of the new inspection standards will likely change.

My lease has a statement of Liability that Landlord is not responsible.

The post, seen on Facebook and in emails and texts, asks for a fee of around $10 to gain access to a potential homebuyer’s email and phone number. 

However, I feel very confident this statement is not true since I can think of several REIAs that are nonprofit in the state of KY alone beside the KREIA. 

The first time I asked she responded that she would see if she could order the statements, but threatened to charge me with a late fee, even though there is nothing in the lease regarding late fees for utilities.

Can I hand over a statement with 50K value in stock and say "Look I have the cash, it's just in XXXX stock right now."  

Cash flow doesn't include non-cash transactions such as depreciation and amortization.Using $15k as a downpayment on a new property wouldn't be an expense for tax purposes.Your closing statement could be scrubbed for more favorable tax treatments (than 27.5/39 year depreciation), but the bulk will be capitalized.As Ashish mentioned, there are strategies to reduce taxable income, but what you're proposing won't.

I’m looking at a couple of properties now and prices sites like Zellow and Redfin keep sending me emails with price reductions.