I keep thinking about tools that can help me reduce risk by catching errors or red flags in seller disclosures and inspection docs, but that's likely because I've had a bad experiences with both.A simple and obvious example is a seller checking "No" for pests section, such as Scorpions and Snakes in Arizona when the property is in the desert, so obviously, there will be snakes and scorpions. 

Even if you fail the first time (pretty much every inspection I've had the person finds something to flag) they don't cut off payment until they have come back out a second time.

Recognizing red flags early are key to staying profitable.

However neither person is local , they both have filled out applications and seem to check out , but both have "Not for Real ID" IDs which seems like a red flag to me. 

It’s not typical for a lender to adjust the rate so late in the process without notifying you, even if there were issues flagged during inspections.

If this were a brick and mortar bank (now I switched to one), this would have been flagged to me before the bank took the action of refunding the money, triggering an investigation.

I’m a Colorado commercial insurance broker and have a lot of carriers available in my agency.  

Or do other investors see this as a red flag and would prefer to have current leases?

If they won't manage a property because of the neighborhood, then I know that is a red flag for me to avoid.4.

Quote from @Raymond Whitley: Not sure if Goosehead is in your area, but a broker like someone at this company can really help you in challenge times for insurance like this current market with so many carriers dropping out completely or raising rates on everyone.