Sounds like the person knew what was going on with their credit report as they have filed reports in the past. 

If everything else checks out (credit, talked to her employer, background check, etc), I would try to validate the story with the landlord.

You will report worldwide income on your federal and Kansas tax returns.You will also include the MO activity on your KS return.Your MO return will only include the acitivity within that state, which in this case, is the rental property.In the future, if you have income in MO(either through the sale of the property or through rental income), you will pay tax to MO but KS will give you a credit for any taxes you pay to MO.best of luck

At this point, I would recommend having a line of credit to cover these things so you don't have money sitting in the bank doing nothing when it could be put to work.I have 33 units, no debt except for mortgages, and excellent income.

@Travis Gutting Open a prop stream account, fund it with some skiptracing credits and go to work!

They provide lines of 0% credit with an 8% fee, hard money and DSCR loans among others. https://www.rammfinancial.com/Thoughts?

Credit pulls for the same type of loan within a short window (usually 14-45 days) are treated as one inquiry, so your score should be fine.

@Eric Huntermark Unless you're already independently wealthy, a conventional loan product (assuming this = bank/credit union loan), is going to probably be less attractive for you and most banks/credit unions don't lend to flippers.

For context I am a full time lender and understand DTI and have very good credit. 

Feel free to message me directly!