You won’t be doing any background check on anybody living in your property, that’s for the person screwing you to do.

Personally, I have been working 3rd shift at a group home for years.

Personal preference. 

Personally we can start before the 6 month date but I have heard multiple customers tell me other lenders have said they cannot start the application until the 6 month date. 

She did get a signed lease agreement, even having the managing partner sign as a personal Guarantor, but not a dollar has been paid.

Although have another person nearby.  

I have a clause that authorizes me to contact that person in case of "death, incapacitation, or incarceration" and work with that individual to coordinate removal of belongings, payment of rent, or even a refund of deposit.When someone dies alone, there is always a police investigation to ensure no foul play.

Is it better to create a new EIN or is it better to create a TIN or just use my personal SSN?

The property cannot be valued in the traditional way, which is why I'm seeking a private lender who will value the property in a commercial-style method via the cap rate.Source of down payment funds: Implied equity (refi)Income Source: W2 for both my wife and IGross annual income (between the 2 of us): ~$300kMonthly debt obligations appearing on credit report, plus (if applicable) personal rent and alimony/child support/etc: Student loans, rent, and what exists for this tiny house.FICO: 725Credit issues: noneThanks for reading this far!

I personally hate this because incentives are not aligned.If things go wrong with the property it's the PM's fault.