So essentially depending on your timing you will need (2) things in your favor to do that lower rates, and enough equity.In some cases having an interest only rate is not a good thing because it can and it does create comfort which can lead to bad habits of not paying the principal down.

This may make them think twice about not keeping the property to safe and habitability standards. 

Hey Fisher,Yes, you can live in your garage and rent out rooms in your house, provided that the garage is properly converted into a habitable living space according to local building codes and regulations.

As @Tom Gimer and @Peter Walther write, why wouldn't they isure is a vital question. 

, social habits, etc. etc.I got a feel for these things during our walk throughs, interviews, and social media research.

I am used to documenting events for forensic purposes, and have experienced judges with poor dietary habits…This is an example of going above and beyond vs interpreting (vague?)

A lot of it will have to do with lifestyle habits.

LOL  If there's going to be problems down the road, their advice or forethought as to the planning/building of the structure, at least the flooring/layering on top of the existing structure, is going to be sooooo vital. 

Office is under alot of stress due to changing workplace habits.

If they have bad credit, they have habits that caused them bad credit.