You want to be honest with the loan officer because some lenders have a seasoning period or other qualifications that may inhibit you from being able to refinance.

This is called in a mortgage lender overlay -a qualification requirement applied by a lender that exceeds the standard qualification guidelines for a loan program. ...

Standard qualifications (no smoking, 3X rent, criminal/past history) and not allowing pets at this time.

(appraisal amounts, inspection failures, glitches or changes with buyer qualifications, etc)So a property can be "under contract" for a period of time and then when it doesn't close, everyone goes back to the drawing board.

If it's a larger organization, feel free to inquire about their different staff qualifications.2.

Qualifications for Medicaid and state programs.

If it's a larger organization, feel free to inquire about their different staff qualifications.2.

Also, what criteria/qualifications do lenders want?

I believe most important step in finding good tenants is the "qualification acknowledgment" form. 

what are the qualifications you need?