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, etc, etc.....most mortgage brokers are happy to explain these issues to you, and help you understand why you're being quoted certain terms--and what you could do to get different terms...I've had many long conversations with my mortgage broker about these types of issues, and I always walk away with a better understanding of my own financial picture, how the banks operate, what I need to do financially to qualify for what I need, etc., etc.

Or put your eggs in one basket for a top notch cash producing property (that could even at a later time become a condo conversion easily)?

Gave them a curt no on their application and they proceeded to argue and plead through multiple conversations that they should be rented to.

You can get a really good feel on they type of person someone is by a quick conversation. 

Since they didn’t tell you immediately (red flag) My advice would be to call them on the phone first and then to relay that information back from your conversation via email for written documentation.

It is good to start the conversation as early as possible though.

And that's an impressive conversion rate (8 1/2%); imagine what your take would be on a sub-5% conversion rate!

I would simply have the conversation with your roommate that her GF is essentially another tenant, and that if GF is going to hang out when tenant isn't there all the time, she needs to be on the lease.

Again, this is a conversation to have with your accountant to ensure the benefits would outweigh the costs.Another misconception is that there is little value in a cost seg study for properties that do not have a lot of personal property in them or very little interior build out, such as industrial warehouses.