A few days later I hear that the Senior Underwriter has my file and is "asking for more information" 4 letters including 2 more from my local union in Miami later and she denied my loan.

In addition, there is no longer enough livable area in the unit so one of the bedrooms has to be used as a living room and I have to put a door on a little passageway area and use that as the 2nd bedroom.

Many states, counties and municipalities have additional protected classes.Here is the blog post that this came from: https://www.biggerpockets.com/blogs/7520/47329-social-media-and-tenant-screeningI hope this helps!

If there's no lead cert on file with the state, you can't rent to a family with a child under 7.

Your attorney can draw up the simple agreement and place the proper UCC filings.  

Instead of 'returning' deposit from '15, and having two remaining write new check, can anyone suggest wording/letter that I could have the moving out tenant sign stating something along the lines of 'I, ____, have received my full deposit back, including interest, from my roommates Xname and Zname and do not expect any additional monetary return from my landlord, _____' ? 

If you have a well-maintained unit in a decent area, your tenants will want to stay, even if the increase is substantial and it is within market rent.BTW, prior to purchasing, ask the owner for copies of the most recent utility bills, tenant estoppel certificates (signed paper from tenant stating financial terms of the lease) and CLUE report ( A report that lists if any insurance claims have been filed against the property in the last 7 years) to ensure property is insurable.

Spouse may qualify for VA loan, but generally shouldn't have changed his bank loan opportunity, as those are generally filed jointly.Generally PD application, or rather loan qualification based upon PD application is only after you are sworn in, and not any step before it.You will have to prove to the bank that you will have continued income to pay off the debt.

He may be able to offer more insight into additional questions you have.

In addition to studying on BP, KC has some great REIA groups that you should consider joining.