It’s a real hodgepodge of applicable regs.  

Also, any underwriter is going to heavily scrutinize a new primary residence loan application if they see that you recently (under 1 year) bought a primary residence in the same general area and have already converted it to a rental. 

It's a simple way to gauge the condition of the building's main sewer line.Unfortunately fraudulent rental applications are more common than one would think so good on you for catching that.

Most of us had to be this ourselves (with a little help from our investor agents, where applicable).

Because see, they've got a script & the software to tell them how to respond to tenants & owners, what the cost of a repair or appropriate vacancy rate should be, etc... see where this is going?

Just always be consistent with everyone you speak to and every applicant!

I still don't have permits after a fire and things were submitted in March for applications.

While I don't do this professionally, I have a software team that works for me overseas for my real estate business needs.

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.

I just listened to Jerry Norton's Craigslist Flipper software webinar.