Get copies of their written reports.

They provide real-time access to credit reports from major bureaus—Experian, TransUnion, and Equifax—without affecting the consumer's credit score.Setup Process:Application Submission: Complete a formal application through Soft Pull Solutions.Documentation: Provide necessary documents, such as proof of business operations and compliance with legal requirements.Website Review: Undergo a review of your business website to verify services and permissible purposes for pulling credit reports.Onsite Inspection: An inspection of your business premises may be conducted to ensure secure handling of credit information.This process ensures compliance with legal standards and typically takes a few days to complete.

When you go to sell, Montvale requires a certificate of occupancy so this issue has to be resolved in advance of a sale.Although I am not a lender, I assume you will not be approved for an owner-occupied mortgage on 5-units if it is a legal 4-unit without some type of mortgage fraud whether in reported rents, units, or another legal document or representation (very very large issue from a legal perspective with multiple arrests in the last year for anyone playing fast and loose).As far as the DCA, I would recommend coordinating your work with the city with the DCA.

Florida’s a great market, so if you need tips or guidance, let me know—I’m happy to send you an example of the report I created and the article I wrote about this.  

Quote from @Patrick Roberts: Quote from @Jay Hurst: Quote from @Zach Edelman: If you do a DSCR loan and vest it in an entity - you and your partner can both PG the note and it will report to neither of your credit reports, thus having no impact on your DTI! 

@Angelo Llamas If your cousin rents out the property, it becomes a rental once it's "placed in service," meaning available for rent, and he must report rental income and expenses on Schedule E.

Be aware of tax implications: rental income is taxed in the property’s state and reported on your California return, with deductions for travel, depreciation, and expenses.

Hey Travis, appreciate you for taking the time to look at my report.

Quote from @Spencer Thomas: Quote from @Dominic Mazzarella: Quote from @Spencer Thomas: View report*This link comes directly from our calculators, based on information input by the member who posted.What do you all think of the deal and how I analyze it? 

Even if they stopped reporting your payments the history would be there.