We have a PM in place.We want an Interest only or ARM to LOWER our monthly payment for 1 year and sell next spring -- when their lease is up.We thought about selling now but it's appreciating so much we want to wait.The problem is due to job transfer my husband's credit took a hit and mine is ok/good.

It is granted originally based on the credit worthiness of you and him, the investors bought it that way, and you can change things mid stream.

I also have about 40k in cash in a brokerage account and no credit card debt.

That’s the dealMy thought was to assume the mortgage and take a home equity line of credit to may her monthly (which is what she needs).

But in that case, you should have received a credit for the rent at closing.I could see some hangups if you changed companies, but keeping the same company should have made everything pretty turnkey.It's possible that the seller wasn't forthcoming with the PM about the sale I had that happen to me a couple of years ago.

I give you a lot of credit for walking your talk.

Put your guarantors through all the fiscal checks of your screening process - credit history, income verification, etc.  

I want to make use of my blank LLC to build credit for the future. 

I have a single family house under contract and would ideally like to find a fixed rate loan to and LLC (three partners, all with high credit).

We have found a location, the landlord says that we got it (after a credit/background check), so we signed a lease.