I'll get the ATR from the seller and start from there.

Get an option to lease and to option and sell the "option" to a tenant buyer for $5K.And get the seller, the new tenant buyer, you and a lawyer in a room and sign docs.To protect the seller, get new Tenant Buyer thru a RMLO, approving the TBer with the ATR Rule.

Aka prove the atr rules.

Provisions of the Dodd Frank Law created the ATR (Ability To Repay) rule and QM (Qualified Mortgage) safe harbor.

However, @Curt Smith was questioning specfically the ATR provision of Dodd Frank.

The ATR requirement doesn't seem onerous to me.

Drive up from the Fox Theatre and you'll see microbreweries, upscale dining, shopping, etc... drive through at midnight and you see all kinds of respectable folks out walking around.And don't get me started on Atlantic Station... best place to go watch a midnight showing ever.

And I'll probably get flamed for this, but I'd try to steer clear of degrees that don't really help you with a good paying career after you graduate, like arts, theatre, language, ect.

Crews might be rolling out a red carpet in front of the Dolby Theatre while crowds of people snap photos from the top deck of a passing tour bus.

Restaurants & Bars - Toledo is the 5th highest restaurants & bar per capita in the USA  Events - Toledo has many farmers markets, boating and kayaking gatherings, bowling alleys, movie theatres, and other attractions!