Not unusual.

Definitely a focus area from lenders, conventional or otherwise - theres been a reported uptick in occupancy fraud or funny business lately as rates and values have continued to be so high and qualifying so tough - people are more likely to bend the rules on stuff like this - so this is generally the lender response

Year 1 is going to be tough to cash flow, but the population has essentially doubled in Fort Bend County in the last 10-12 years.

…until the end, when it bends.

Is no, just monitor it montly and if you see a unusual spike, give the tenant a call. 

This seems unusually vague. 

I'm actually living in South Bend, IN and looking to add a bunch of doors here.

2) The Owner's agent will want to show the property at a moments notice, which sellers bend over backwards to do, but tenants have no incentive to cooperate with.

Nothing unusual in my 35 long years of working in different specialty.Thanks for helping the BP communityVivek

Bending the rules is how you get sued for retaliation or discrimination.