Depending on the CU or Bank you should be able to obtain a full doc commercial loan if they property meets a DSCR ratio of 1.25 or better, Global Cashflow is 1.21 or better, and you have some residential experience. 

Not to mention, solar panels can also be a cause of roof leaks and require regular cleaning to maintain some level of efficiency which is not great to start with while also getting worse over time.

The leaks are visible from the inside of the roofline inside the attic, if there is one.

I also have experience with expeditors who can assist in obtaining required docs and can recommend a few to you as well, if needed.  

If you are audited the IRS will want to see supporting docs (e.g. calendar, CC statements, etc).If you've reached the end of this thread and your NGMI on RE pro there are a few more options:1.

My friends toilet just over flowed for 2hrs, leaked from upstairs, and destroyed everything below.

Would it be possible for me to get a copy of your due diligence doc? 

Plus, it’s a low-doc, asset-based loan, so no income verification or tax returns needed.

If banks controlled all this business and did away with the broker model and like what I experienced the lender was a bank employee and was on salary not commish.. docs are prepped by the bank ( on my commercial loans that is free no charge NO JUNK Fees at all just appraisal and 1/2 a point to maybe 1 point. this is a stumbling block for owner occ especially first time buyers who dont have money for closing costs and generally need the seller to contribute you know I see it all the time on my starter homes that I finance for flippers.. virtually everyone has seller assist on it to pay for all the junk fee's and brokers fees.. its getting paid somewhere and that just makes it harder for those buying homes to live in ..  

If they are in an upstairs apartment and leak, the damage can extend to the downstairs unit.