Most previously covered entities, in order to remain viable, already have in place policies and procedures to prevent and detect fraud, insider abuse, and other crimes.

Credit card companies can deny these checks.I Never use all of my available offers at the same time because I might need to transfer a balance in 15 months if something awful happens. 

The bank will usually stand behind a pre-approval letter for 60 days or so but remember, it's not a guarantee that you'll get a loan, just that they've checked you out and so far there's no reason they see to deny you a loan.   

If you're using an FHA loan make sure that the total monthly payment is less than both ( duplex ) market rents or your loan will get denied. 

If I have to replace, I like oak because it's an inexpensive hardwood that can take some use and abuse.

At the very least, you need to read up on your local laws regarding tenants - you should never have your tenants telling you what the laws are .. and then you not being able to confirm or deny it - they can sense that you don't have a complete grasp on the law or the procedures so they are taking advantage at every opportunity and have been bilking you for months.

Begin thinking:  As an owner, I have the right to rent, sell, paint, abuse and even burn any thing I own (yeah,  property would need to be owned free and clear).if I own it, I can manage it.Any law contrary would be an abuse of common sense and we might see another Tea Party :grin::Thinking no longer required{ yes, that's snide, satirical & couldn't resist :sigh: }

My parents Want to get a Loan for land. it is under 50k but despite my father having decent credit( they require over 700 for all 3 scores and 1 of his is over 700 while the others are high 600's) they denied him the loan.

Unknown tenants abuse floors.

Setting aside the fact that 1000's and 100's of people abuse the FHA loan program for the purchase of single-family homes for investment purposes all the time, you should be proud that you did not and you achieved your goals on a much more solid financial footing by doing it the right way.