I had a tenant two years ago who claimed Military status and came to court in a mix matched service uniform and tennis shoes.

Homeowners will need to use an equity/uniformity argument. https://markets.businessinsider.com/news/commodities/home-pr...

People do crazy things, you can't underwite that away.Consider that your qualification process needs to be uniformed, applied equally to all applicants.

Keep this in mind:  "The Uniform Commercial Code (UCC) is a collection of laws and regulations meant to harmonize the laws of sales and regulations across the U.S.

I'm in Chicago and if they say the Chicago market grew by 8% in 2020, I assure you that is not a uniform number and real people experienced variable growth.If you're a long term investor and buying a deal makes sense, it makes sense.

I have been investing in both asset classes for 20 years and allocations have not been uniform over the years.

They need to do a uniform coat, as the tone may change adding 2nd one over the 1st one.

Any such work requires a very robust analysis that uniformly includes sensitivity assessment of RISK.

As long as everything is neutral and looks uniform then I think you are good. 

There are no uniform "rules" across banks for lending.