There is a large park about 2 blocks away and is in a very walkable neighborhood close to everything in the city (of about 180,000 people) Do you have any rules that you have to add in value in this different way? 

You are going to need a lender who can explain the whole process, give you as many Proof of Funds Letters as possible.

@Fan Bi like any city things vary block to block.

Maybe developing a good relationship with the city could help you get them to go by the spirit of the law instead of the letter of the law.

In my opinion the best scenario for you would be as follows:1)  5 yr lease with a 3% rent increase every year on the year anniversary.2) Require proof of ability to fund the build out project. ( Letter from Bank, lender )Require a one month rent or more security deposit at lease signing. 3 ) You should have building insurance ( build out/ construction insurance ) started at lease signing.

If so, how can I get a deal under contract with no POF letter?

Ex-husband called me, he lives out of the area but received my letter. 

But lending pre-approvals typically expire after 30 days, and refreshing the pre-approval each time causes a hit to your credit score.Do you keep refreshing the pre-approval letter every 30 days for your agent's benefit, or do you convince your agent to show you places without having a valid pre-approval letter?

His girlfriend who lived with him was hospitalized and died a few days later, triggering the depression.Had to go out and find a landscaper.The landscaper I found and now used live a few blocks away, does landscaping for my neighbors as well, and if he didn't do a good job, neighbors would let him know directly.

Hello BP members,I would like to share my current experience with mortgage preaproval letters from lenders.