If it's on your credit, you are on the hook for it.However, it shouldn't effect the loan process too much, a simple Letter Of Explanation should be able to get the job done with the correct investor. 

Im looking to try and either get a duplex or a single family with a FHA loan.

I had a call with a loan officer yesterday and I am very intrigued, but haven't heard much in recent discussions for this product or found anything in the search bar for this bank. 

Martin They get a bank loan, but most do not start out in MF, they start out in residential.

Hello, I have a primary residence and about $10k in bad debt (not including car note, student loans and a small medical bill).

A lot of universities have students that need mid term housing due to graduation dates, mini semester programs, etc. and I've found if you approach them and offer them a solution to this problem, they are willing to work with you and help send business your way. 

Loans at 4% Returns at 5% but hard to find that these days...dollar is surprisingly strong.

They’re requesting what feels like an unreasonable amount of information, and the demands keep escalating.So far, they’ve asked for:A video tour of my home officeCredit checks on me and my partnerCopies of the deeds for every property we ownA copy of my partner’s home lease and utility billsBusiness phone billsA signed letter from the bank verifying our accountsBank statementsHonestly, it feels more like qualifying for a loan than trying to become a customer.

I am sure the interest in that hard money isn't great.All DSCR loans I have seen require at least 12 months.

Get a 0-5% down loan and do it again in TN.