This situation should be as simple as showing the property as positive incoming not counting against their DTI (debt to income ratio). This is done by showing a lease agreement by the owners to a leasee, usually at least $200 above their monthly mortgage payment.
I have a property that I’ve had the deed (grant, bargain and sell deed) to for two yrs now. The loan is still in the homeowners name. The homeowners want to refinance the home they live in but their lender told them that as long as the still own it they couldn’t help them. They need to refinance through this lender otherwise there’s a pre-pay penalty. The tenant/buyers are not ready to buy yet, I’m not in a position to put a new loan on the house and the loan is not assumable. Is there another solution? Would a quit claim deed work?