I don't wave a red flag in front of the lender daring them to call the note.

Are there common red flags you’ve noticed?

Selling a primary residence and then buying it back as part of a 1031 exchange could raise red flags with the IRS.Your parents have a valuable opportunity to defer a significant amount of taxes by utilizing the $500,000 exclusion on their primary residence.

As far as home office no longer being an IRS "red flag" I guaranty that if you put a home office deduction on a personal return on Turbo Tax it will move their audit risk needle.

Red flag for sure.

If they refuse or seem evasive, consider it a red flag.Financial transactions require trust, and unfortunately, my experience with Century Key Capital has shown me that borrowers must stay vigilant to protect themselves from hidden costs.

As far as red flags, if you don't seem serious/ready that will turn some agents away.

Instead they go about it a** backwards and add more red tape and more complications costing the city and it's residents more money

When I approach them for financing on my next property, I want to avoid raising any red flags due to my relocation and the status of my Tennessee home via how I file taxes in 2024 (i.e STR instead of my primary as it was originally intended).  

(Tower Grove)