Next day another person calls in, just repeating what I said the day before in a dumb way and eventually said, you know you have to refinance the 1st mortgage, right?

I'm not sure of the legality so I can't comment there....either way though I'd just go get a personal loan for a balance that low or transfer the property sub-to...

As in two or three years living with this person whose shall we say lifestyle is so uncomfortable to you???

Personally, I would do the research first, get all the answers confirmed and then look into the market to do a deal.  

A true DSCR product doesn’t care about your personal debt. 

Once I was on that page, I could see the applicant's email address and contact info.

I tried to contact them through Email.

When the prospective tenant demanded a refund from TurboTenant, TurboTenant sent us an email saying if we didn't start paying a monthly fee in order to use our own application, they would terminate our account in 5 days.

If one person stops paying and it's tolerated, It's more likely to spread within the house.

Send me an email I am always open to talk REI and Network.