What if the top earner has a clear credit history, but they split-up while renting your property and now the only one remaining is the one whose credit you didn't run?

Escrowing funds is another way to go about it that will likely satisfy the lender.

I have a 4k earnest deposit, then the costs of the inspections and appraisals, as well as about $800 remaining for the downpayment, so I don't have too much into the deal cash wise, but I would rather not lose my deposit.

Each of those factors directly or indirectly impacts the behavior of the housing market.Other factors include individual readiness, the location of the home, and ongoing housing trends, including interest rates.Despite the external shocks to the housing market, seasons remain a major driving factor in when to buy a home.

If each partner is taking a distribution equal to the size of their original contribution, equity allocations should remain in line with the original percent shares.

I am not saying to settle or be satisfied or even to slow down.  

For instance, if there's an unresolved settling issue, you can probably see cracks in the foundation, buckling, un-level floors, un-plumb doors, etc. ...but, if everything is solid now on an old house, it'll probably remain pretty solid for the foreseeable future.

As long as a contingencies remain in place, the EMD is protected.

You would be surprised what people will say even if they are satisfied with someone.

My current house sale would cover half of the initial loan of $325k (about $150-$160k which is pretty below appraised value) and the refi would cover the remaining 50% plus interest.