I have two small second mortgages I am having difficulty placing, and one first mortgage. Number One is a 95% 2nd position, 586 middle score with no lates in last 12 months. Hitch is borrower had a BK in 1995 and a $190 tax lien in 1998, which is paid. Also had some small medical collections. Modular SFR owner occ. #2 challenge is also a small second 100% in file 568. Problem is two-fold, I only have 13 months seasoning with no verifiable prior rental history (lived w/ mother in law), and I need to use a co-borrower (father) who IS on title but DOES NOT live in this home. He is also the co-borrower on his existing 1st mortgage. SFR Owner Occ. #3 is a first mortgage owner occupied SFR STATED 95%LTV with 607 fico. All properties are in the state of Ohio, and I would prefer to use a FSB on the second mortgages so they can pay me.