Higher priced QMs are entitled to a rebuttable presumption of compliance, rather than a safe harbor.A consumer may rebut the compliance presumption on higher-priced loans by showing that the consumer’s income and obligations would leave them with insufficient residual income or assets to meet living expenses including “any recurring and material non-debt obligations of which the creditor was aware at the time of consummation.”

They bought at an insufficient discount believing that housing prices were going to continue going up.

Failure may simply be the result of over work, one bad tenant, or insufficient cash flow to hold a investors interest.

I currently work in the Supplement/Sports Nutrition industry and have a background in health insurance. 

I have had this happen, and the payment was reversed as there was insufficient funds in the tenants account.  

Also, review your lease and make sure it has the following clauses going forward: (1) if a payment is returned for insufficient funds the next payment must be by certified funds (2) lists all options for  acceptable forms of payment: check, cashier's check, money order, EFT. (3) After the 2nd payment returned for insufficient funds at any point during the lease, the only form of acceptable payment is cashier's check or money order for the remainder of the lease. 

When the lender approves a short sale, the sale proceeds are insufficient to pay off the outstanding loan balance.

For a "sponsoring business" for the SD401k, your friend can simply sign up to be a distributor for a great product (such as a nutritional product, for example, there are thousands of possibilities).

If commercial skip tracing yields insufficient results, you can either hire a licensed PI or learn to track down missing persons on your own. 

Title free and clear but net income may be insufficient.