If the case was substantial, I would imaging your lawyer could subpoena the officers to have them testify to what they witnessed. 

My point is that in my case I believe was a problem of the loan officer who I ended up using once more.

If so, I know credco for us sends someone to our office to make sure we are compliant.When we boarded on the IM side it was intense but I actually am glad to go through that process, it means they are serious about compliance.

I would send someone to their office and find a new PM immediately.

Quote from @Ven Bud: After hearing to lot of bp episodes on negative cash flow, I have a question.I am currently living in my primary residence and planning to purchase an investment property, and obviously it is going to be a negative cashflow (bay area), but I am of the opinion that as long as the rent on the investment property is atleast going to be greater than my current primary residence mortgage it can still considered as positive cash flow investment.The investment property is going to be in a much better location (for office commute, bay area proximity) than my primary residence.

You cannot rent out an entire home/apartment for fewer than 30 days.Your STR must be registered with the Office of Special Enforcement.

I am looking to grow my Commercial office and STR management portfolio in 2025. 

I'm not an loan officer, but I know some banks locally like ORNL Credit Union have offered a 0% down conventional loan product.

My recommendation would be to get approved as a Landlord, contact the director's office and request that an inspection be completed before a tenant is selected (sometimes they will do this as long as you select a tenant within 14 days - which you want anyways), and have an online application and screening resource in place.  

The pandemic forced people to work from home and having spaces that worked as offices became important.