Perhaps we'll have a developer step in here to weigh in, too.I'm following your logic on the exposure to the lender, and I tend to agree. 

This guy was getting on my nerves I came in here to get some information not see someone call another out.

He posted in here shortly after...Do you need the answer, too?

@Eric MelinSince you mentioned potentially house-hacking I wanted to throw my opinion in here.

She was making well over 6 figures in her twenties .. and in our area that’s huge because the average median family income is 35k .I got a PhD as well .

Any obstacle can be overcome.

She has not yet provided a letter or proof of insurance, however, with our clause that states "no additional pets allowed", not only has she brought in her boyfriends dog, which is also a Shepard, another of the room mates has now brought in a cat without permission.

I'm gunna jump back in here with a thought that popped into my head.If a sex offender moves in somewhere, he/she has to notify all neighbors about his/her status.Now, if a new tenant is moving in and the sex offender is a current tenant, does landlord have any responsibility to let the incoming tenant know before they sign the lease?

This is a little off original topic, but just got me to thinking - and we might be in the same boat on this, later, as well - if Ann has 'too much' money in her 529 - let's say all her kids finish college but she has $50k left over, then she's left with this extra money that can 'only' be used for 529 purposes. 

If they have a character flaw, the investment in inherently flawed.