If the police came they probably did not come and document the damages, get the report.   

Instead, I'd just rely on a CMA (comparative market analysis) of renovated properties in the area from your realtor unless you have local MLS access yourself to run the report. 

Credit companies report balances at the end each month after a statement has closed.

Many business credit cards do not report to personal credit. 

I have a few commercial loans that don't report to my personal credit. 

So I'm always able to offer a lower rate and make a decent living without charging points.My final thought, if you want to find the single lowest price in the market, I don't know how many companies you've spoken with, but 5,113 companies reported making residential mortgages in 2023.

Beneficial Ownership Information Reporting (BOIR)Have you heard about this?

Physical inspections can reveal a lot about the condition of the property.

If you come across a property with tenants in-place, you might ask for a financial report if available.

We recently completed a study on MTRs, which revealed that MTRs are likely to generate more than $1/SF above long-term rentals.