FYI: Now that the LO comp rule is in effect it's illegal for a lender to get paid more or less depending on your specific interest rate, so there's no reason not to get you the best rate out there among alt-doc loan programs, if that makes sense, meaning you're not exposing yourself to predatory behavior by being upfront about not being rate sensitive, like you would have been had you said that in 2006.

They only conclusion I can draw from their behavior in these matters is that they want to keep me in the fold and would rather sacrifice a little margin an a deal today, to keep our relationship strong (which one could conclude is better for their long term business and hopefully my long term wealth).A few examples:One house we had under contract, I got a 3rd party inspection that came back bad. 

My uncle has worked in the court systems and in general as a psychologist with sex offenders and people with sexually deviant behaviors most of his career (30+ years). 

On top of that, what if all of a sudden you need a new roof, or windows, or a sewer line, or the irrigation system freezes, leaks and floods the basement, or a fire guts the place and your insurance only covers some of the vacancy/rebuild costs, or a flood washes it away and you didn't have flood insurance, or your tenant stops paying and their estranged lover/stiffed drug dealer breaks in and destroys the place, or any one of a myriad possible bad things happens because you have an investment that hinges upon human behavior, and therefor needs constant baby sitting, and 5 years of your glorious $500/month is wiped out in one afternoon, and the bank takes the property?

As the property condition and tenant behavior becomes known to us, we can often reduce the number of full inspections to no more than once a year.   

Said it could put the property in jeopardy if there was any criminal behavior Since it’s still illegal on a federal level, not worth the risk.

Positive rental history since the time of eviction is one way to demonstrate a change in behavior.

If the tenant resumes the same behavior again file much faster to avoid two months of not collecting rent.

You're essentially rewarding the bad behavior to escape a greater loss and then dumping them on the next unsuspecting Landlord.

I figure the prospective tenant "should" be on their best behavior during initial interactions with me (just like a job interview).