And then they will come after you heavy handed, with full force and charges of defrauding and abusing the vulnerable home owners.

Keep in mind the reason why it’s usually denied is because a lot of investors buy a bigger lot to in fact build more "investment" rentals on the other lots, but say it’s going to be a "new primary home" to get the higher LTV/LTC to build.If you’re willing to put 15% to 20% down you will not have that problem but if you’re looking for a 10% down or less it’s going to be a very "Hard sell" to the underwriter.

Forget about HML, they will deny you on the spot.

As for the smoking my maintenance guy was there a few days ago and said there was no signs of it and the tenant also denies it.

Brush-applied Rustoleum thinned with Penetrol on a shellac or oil-based primer will endure abuse beyond all others.

That's certainly not a perfect way to prevent abuse, it would just make it harder for those people who want to flood the system.

@Brandon Gall if it’s domestic abuse, in my state they can provide copy of protection order and give notice without penalty, and if abuser is only occupant left, you can then give notice to them.

Accordingly, your request for repair is DENIED. 

My thoughts: East Bay:- Close to a BART station to traveling medical worker/corporate person could hop on a bus/BART to work: El Cerrito, San Leandro, Hayward, Fremont, Walnut Creek, Pleasant Hill, Concord, Dublin, Pleasanton- Maybe Richmond, Antioch and Pittsburg but some parts have a lot of crime. - Going further out Brentwood and Oakley have appreciated quite a bit and have pretty good schools- Something with potential to add value: ADU attached to the main house or separately in the backyard in the future to get additional rent.

Tell her that you would need to see a year's worth of bank statements to prove the alimony payments were reliable, and since she can't provide that, then you have to deny her.And in the future, find any possible legal excuse you can to deny anyone going through a divorce or freshly divorced.