My husband and I are comparing possibilities where we live (Nashville, TN) to where we grew up in Indiana.

Since I am both the agent and the authorized signer for the buyer.

They were authorized to so by Dodd-Frank, which was passed in 2010.

If you are reporting this Income in the tax return, they would compare your financial with the tax return. 

I will keep that in mind when comparing the rates.

The lender doesn't want to see a dramatic drop off of overtime in the last 12 months compared to the previous 12 month period.

The draws on their 'loan' are subject to work done so it's getting tight as the financial guys are insisting on 'substantial work completed' b4 a draw is authorized. 

For the area I am in, I spoke with my realtor and are confident that the studio would rent for $900-$1100, and if I were to rent the actual house (in a year or so) comparable show it'd rent for $1800-$2000. 

15K is not a renovation, so, you need to make sure that you're comparing like to like

Previous landlord can't release details about someone for which I don't have a signed authorization.