Id suggest that since you changed loan products, presumably without the permission of the seller, that you pay to get these items repaired so that you close and do not default on the contract.

Primary residence loans that are not the usual product backed by the government are called "non qualified mortgages" aka non-qm.non-qm providers can be more creative like using bank statements instead of pay stubs, but I can't think of anyone that does not do income verification.

., etc.Depending on these types of factors, what makes sense for one person might not make sense for another person...for instance, a person who has a net worth of $10k, and who has $10k of credit card debt is probably over-leveraged...but a person with a net worth of $1 mil who has $10k of credit card debt is probably in OK shape (I say "probably" because there could be other factors in these peoples' finances that could change our assumptions--for instance, if the millionaire had $5 million in auto loans for exotic sports cars, they might be in trouble).Context is everything.

Has anyone used these products?

You know BiggerPockets as the source for all things Real Estate Investing - and we're going to continue to be that source.But we're looking to spread our wings and share related content, too.Things like Personal Finance, Productivity, Business Management - all things you can use to make your business even better. 

(As an aside, there is an interesting over funded insurance product that you borrow from for the rest of your life to attain tax free income.) 

Long term fixed rate loans pose less risks than short term floating or balloon products. 

Going into an offer thinking "I don't know why she would want to" isn't going to be productive.

If you try to become what each individual investor wants transaction by transaction you will tend to become very inefficient and not be very productive.

@Mark Cohen there are not insurance products that will insure against an under performing business operation.