Its been a year + a few weeks now so we are ready to get the 4th.So I talk to my broker to get the standard pre-approval letter, and she cant give me a loan for anything, saying that our DTI is 128%.

There's no discussion of when compensation is due in the standard SC sales contract.

As I handed her this notice, she tells me of all the happenings, problems with social security, death in the family....Now I'm really wondering if I was fair enough and should I lighten up on the qualification standards.   

The law requires you to meet minimum standards, which likely includes running hot/cold water, heat, and electric.What you need to do is fix the water heater and immediately start the eviction process.

A Certificate of Occupancy (CO) permits the legal use and occupancy of a property providing it meets the standards of habitability set forth by law.

Make sure you're standards/expectations are clear (i.e. don't make noise past 9pm, cleanup after using the kitchen, etc.) 

The following are the standard per the SBA SOPa.

We are all in this together.Keep in mind your tenant probably has money, but is choosing to pay it to someone else (suppliers, facility rent, employees).

Currently it is fighting Globalism and it's profiteers to increase the American Standard of living back up to where it used to be (and probably above that if it's successful).America makes it's way by befriending vs bullying.

I had to appraise an extremely large cash handling facility that was essentially a giant vault at one point in my short appraisal career.