Whether that be checking your local zoning codes or HOA declaration if there is one.

I decided at the beginning I only wanted to rent to people who were gainfully employed (or students that had gainfully employed parents), had no criminal record, decent credit scores, no charge offs or bankruptcies, steady & stable job history, and the like.

@Frank PatalanoFor me...I’ve been through the market crash and had to file bankruptcy on 3 FL home.

If photos aren't an option, a quick reinspect on 4 point will likely do the trick.If your county was declared a state of emergency ahead of the storm, the bank will likely follow up to tell you what they require.  

My income is on the lower side since I have declared smaller amounts since 2022.

way too early to make a declaration like this.

They are going to be responsible, never get into trouble, and avoid Bankruptcy for the next several decades? 

If you want to proceed, please gather these few documents, and email them over to me.Photo ID: Please provide a clear copy of your valid photo identification.Proof of Social Security Number: Documentation confirming your Social Security Number.Homeowner Insurance Declaration Page: Is the cover letter with your policy number and coverage amounts.

If you want to proceed, please gather these few documents, and email them over to me.Photo ID: Please provide a clear copy of your valid photo identification.Proof of Social Security Number: Documentation confirming your Social Security Number.Homeowner Insurance Declaration Page: Is the cover letter with your policy number and coverage amounts.

Is it legal for me to move to Utah and declare the UT property as my primary residence to have a 3% down payment?