Over leveraging, insufficient reserve, short term loan with balloon payment, etc. 

After dealing with depression, I dropped everything and toured Europe, and that caused my work documents to show up as insufficient.

I can think of far more dubious "speculations" than that, that people do all the time, without anyone critiquing them for it.The dial turned to hyper mega turbo boost, where celebrities buy for $50m and then sell 8 years later for $40m, is too far, insufficient liquidity at those price points seems to create unpredictable volatility.

If it is insufficient, you can go to 3.Submetering is expensive.

I don't think banks commonly foreclose if the property value is insufficient to cover senior encumberances and leave something for them.  

Overpaying/Insufficient Cash flow. 

While the rent rate would still be insufficient to support a buy and hold strategy, if you could be all in around $200k - $220k, you would stand to make a reasonable ROI from flipping the property.

Much like the FDA will allow additives and chemicals void of nutrition in your food.

My spouse has 720+ score but insufficient income to approve loan.

I’m also a masters nutrition student.