The issues can be local so look for someone in your area who is posting and try to contact.   

Both told me the apartment floods so bad amongst other issues.

Shayan,Best option to avoid issues and stay risk free along with having a better approval chance would be to go with a Cash out refinance.

Hi @Mindy JensenI had the same issue as  @Deborah Burian.

But you have to ask proactively, and be mindful of how long you stay in forbearance to avoid long-term credit issues.🔹 Insurance Challenges – Even when insurance pays, it rarely covers the actual cost to completely rebuild.

We are good friends but that's also not an issue for them because they are a dual veteran couple.

The issue is cost.

He makes sure we maximize all deductions and have no issues.

We also require that we be added to the contractor's insurance as Additionally Insured, so we're covered if they cause damage or liability issue.3) If the property is occupied:- One of our people MUST accompany their person (and we charge for this). --- We were sued many years ago, along with the owner, because tenant claimed owner's contractor sexually assaulted them!

Leverage will not change the effort or risk in the areas OP identified.