That $3000 is not a "deposit" or "fee" for the loan.Probably the biggest misconception of DHM is that we charge an "upfront fee" If you have a property under contract you can fill out a loan application on our site and we can review it with you to see whether or not both parties feel like it is a deal worth pursuing.

And so, how could one create a tenant screening to vet out all the less than quality applicants?

So I have two brothers that submitted an application for a property: one of them qualifies based on the requirement, the other does not, he makes about $1000 net a month when the minimum is somewhere around $2400 net monthly income, but combined they bring in enough to meet the minimum.My question is, can the other brother who is qualified be a "co-signer" even if he is going to be living in the same place?

Buyers will need to get a personal property loan, just like a loan for a car or a boat.I expect that tiny homes will be a depreciating asset, not subject to appreciating values like stick-built homes on owned land.I think the best application for tiny houses is to address a bonafide local housing crisis - especially for a group like homeless veterans.  

Assuming the former is true in the previous question, does this 6 month period imply that I can't actually start the application process itself until Day 1 of Month 7?  

Does anyone have suggestions where we should be looking where we would get the least amount of red tape with regards to zoning and permitting?

It is my understanding that their business works by helping you find the best credit cards to apply to based on their database of previous applications. 

So I talk with them and get an application.

It's better (and cheaper) if you bring contracts to the attorney to review and ask them what changes, if any, you need in order to make it applicable for whole sale deals in TN.  

BP also has resources for screening tenants and applications.