Send me a message with a list of exactly what your clients are qualified for and I will forward you a list of the properties that will apply.

After this, I decided to go to the bank and show them that I was a serious buyer so I filled out an application to see what i could qualify for.

I spoke to my bank b/c they said the property has to be move-in ready in order to qualify for a loan.

When I discovered that he had lied I attempted to cancel the contract within the 5 day grace period but he told me that it was not possible to cancel the policy.

(however this mirrors the college grad scenario of if every job requires 2-3 years experience how do you ever get a first job) And even if you could separate the LLC from you personally, how would the LLC's DTI every qualify?

With fanny Mae/Freddy Mac you could do as low as 5% down for a SFR or 15% for a duplex if you qualify (strong enough borrower which sounds like you may be).

even if legally you could hold the second person to the lease does that second person income qualify to double their obligation?

They wanted a conventional loan, and qualified for a conventional loan from a different lender.  

PM your email and criteria of a home (beds ; bath ; sq ft ; side of town ; etc.Have you pre qualified ?

I specialize in qualifying buyer for seller financing.