The police sorted everything out.

Otherwise, you have nothing to rely on in the worst case of going to court.

SF is winning me over at the moment because I'm a beginner, but I'm sort of stuck in analysis paralysis right now trying to decide.Thanks in advance! 

@Colleen Weaver - I would assume you are referring to a 5% down owner occupied loan, e.g. a house hack of sorts.

Verifying last 2 years of rental history and income extremely important to find the “best of the worst”.Make sure you understand the Class of properties you are looking at and the corresponding results to expect.

I think those rules have been in place for a long time.U need to be a broker/dealer and or i have seen RIA do this I think legally. but you do need some sort of license to raise money .. or you need to be principal or an employee

What damage could it possibly cause that their security deposit wouldn't be able to handle, worst case scenario? 

That value hasn't been realized, unless you refinance, or get secondary loans, and doesn't guarantee future value.Also burns me up when they pass a bill and say they know it is unconstitutional, but they'll let the courts sort it out.

The worst market if you want a good rent to value ratio.

The paperwork sort of selling yourself is the VERY EASIEST part.