My son is a little old for that now...he's 18!

(like:retired husband and wife with contractor son-in law eager to fix that roof?).  

Family Member is defined as follows, regardless of actual or perceived sexual orientation, gender identity, or legal marital status:  child, parent, or grandparent; o a child is defined as a son, stepson, daughter, or stepdaughter; o a parent or grandparent includes a step-parent/grandparent or foster parent/grandparent;  spouse or domestic partner;  legally adopted son or daughter, including a child who is placed with the Borrower by an authorized agency for legal adoption;  foster child;  brother, stepbrother;  sister, stepsister;  uncle;  aunt; or son-in-law, daughter-in-law, father-in-law, mother-in-law, brother-inlaw, or sister-in-law of the Borrower.Or these other exceptions:(3) Exceptions to the Maximum LTV The 85 percent maximum LTV restriction does not apply for Identity-of-Interest transactions under the following circumstances. 

It's my second house, but it'll the the first for me, my fiance, and her 5 year old son. 

The father died (mother already passed) and there are two sons that will inherit the property. 

@Andrew Johnson  YUP and I would have held my homes I owned in the bay area that were bought for under 200k each LOL one in palo alto alone would have today given me enough to retire on  LOL.. but you know how it is.I think for those in fly over country were appreciation does not really make many the accidental millionaire like CA or other high priced markets.. its all about doors... if you want to build wealth via real estate.. or its about value add be it flip  or stabilize rental assets... and its a job as well to scale then run your personal empire.

Our son in law gets to sleep with her.

She didnt care at all.I happen to know the owner of the aprtments that she is moving into, so I gave him a call and let him know I was filing eviction for non payment of rent.She also owes me 270 bucks for plumbing repairs, after her son flushed a toy down the toilet that required me to replace it, after trying to auger out the lines for a couple of hours. 

It is a single-family from the 70's on small acreage with no liens or anything against it.

My son had to work through an agency for only a couple of weeks to do a company clean out.