It's a judgement call and as with anything, if you don't have the knowledge or experience, ask someone who does.

I just need to use my better judgement and decide how to word it.

That way they are aware of the situation and can make a judgement call on the loan at that time.

I believe judgements will stick with you forever until you satisfy it.Thoughts??

Along with about $10,000.00 in outstanding bills so as there are no liens and 1 judgement to be satisfied .   

As to your new tenant it comes down to a judgement call. 

Hey,@Julian Dangerfield just make sure that these people that you have built a relationship with know that it may take a little longer to find that perfect investment property, and that you will be a little slower on the judgement of the property because you want to make sure it will perform well for you.There are people within in real estate (i.e. agents and/or loan officers) that might not understand that a property is not exactly great for you since it does not produce the income you want, even though it is a property in great condition. 

If I had a realtor I trusted their judgement I could see buying a property from pictures and their description.

These sort of judgement are actually pretty common against agents, they are just not usually appealed, since the fines are usually about $5,000.

BUT, getting a judgement is the easy part....