I am very aware of other products within the MS ecosystem, particularly the Power Platform, that are making some very unique and innovative AI bets. 

I am looking for any and all advice that anyone will offer. 

so little update, we're working with my broker/underwriter to find out if having the current tenant sign a new lease with my wife's name added to it would satisfy the requirement, (our side only requires a signed lease because it's a "new rental" so perhaps the other side would be "new" to my wife.

Since this has happened multiple times, both sides should be prepared to bring documents showing what investigation and what corrective action they took (hint: they likely have none). 

We are planning to move out and will leave the washer/dryer,side-by side refrigerator, sofa, entertainment center, beds, microwave, etc.

Many will negotiate their splits based on your productivity. 

The fed knows they screwed up by cutting when they shouldn't have last time, so they're going to be extra cautious this time, and if anything overdue it on the side of waiting.

No other product can allow one to do this (HELOCs are similar in a sense but have drawbacks and limitations that whole life does not).I can tell you misunderstand the underlying mechanics of IBC yourself in how you mention credit (you're not alone!)

I told them I didn't want to do the consortium deal, so they offered me another one where I would need to pay a 30k USD down payment and have an EIGHT PERCENT INTEREST RATE.

My partner and I use the subject to language from the AIR CRE forms as an addendum to the REPC - UtahSubject to language for purchase offer - Utah REPCBuyer(s) shall take title to the Property subject to the following existing deed(s) of trust securing the existing promissory note(s):(i) An Existing Note (“First Note”) with an unpaid balance as of the Closing of approximately:Said First Note is payable at $_____________ per month,Including interest at the rate of _________ per annum until paid (and/or the entire unpaid balance is due on ___________ (date).