So, I may have to find out who this person is or simply go to closing and be prepared to deal with this occupant.On the other hand the bank is having trouble providing the legal corporation paper work required by my title company. here is the latest email from Title to Bank: “Please have the seller (the  bank) contact their attorney to provide the needed paperwork.

The necessary paperwork was exchanged, and at closing I secured a conventional loan for the house at the prevailing 11% interest of the times.  

We now wish to refinance and are open to my friend's request of giving her the option of exiting the property or staying in based on numbers.

You may not find one exactly like yours or in the exact neighborhood, but surely there's something close.

Seems that someone who is VPBD would not be at this level of detail - but I don’t know how they work.In my research I found:(1) MW506AE is the application for exemption the comptrollers need regarding a 1031x, and needs to be sent in 21 days prior to closing.(2) MW506NRS is the withholding exemption.I think my CPA will handle #2 but #1 is essentially the main form in the whole timeline.I understand what these forms are and would like to get a title company that is also versed in them and not guess what needs to be done.My QI already said they will not fill it out and I guess doesn’t have all the information required for it.

If that park is like most parks 90% of the people that work there won't be able to afford to buy a house anywhere close to the area, and honestly probably won't be able to afford apartment rent anywhere close to there.   

They will allow your mortgage payment and any personal debt payments (credit cards, cars, etc) to reach about 45% of your monthly income.Programs vary all over the place so it's best to ask a mortgage broker which programs you qualify for.They like two years on the job, rent paid on time, no liens or judgments, pay stubs, tax returns and so on.FHA has a 3.5% down program plus closing costs.

Then subtract this basis from your net sales price (contract minus closing costs). 

You way you are months away from closing.

First time home buyer programs to pay for downpayment closing costs and renovation How did you add value to the deal?