😠🤬I changed my lease to be a little more idiot proof: Smoking is prohibited in the unit, on the balcony, and on the patio.

How does the loan process work without proof of income and what percent down is required? 

I just read many people are leaving New York but besides COVID I feel the city is fairly recession proof (as is DC which is where I have another property but it hasn't really increased in value that much).

For a conventional loan the UW will "source" all deposits on the bank statements. so, if 20k just shows up with no explanation they are going to ask for proof of where the funds came from.

I should wait for proof of a title insurance policy, right? 

Also ask "are you covering closing costs", "please provide proof of ability to close."

These updates aim to serve Sevier County residents better and improve overall efficiency.𝐍𝐞𝐰 𝐎𝐩𝐞𝐫𝐚𝐭𝐢𝐧𝐠 𝐆𝐮𝐢𝐝𝐞𝐥𝐢𝐧𝐞𝐬• Sevier County Residents Only: Proof of residency may be required upon entering a convenience center.• No Commercial Waste: Commercial garbage and refuse must be disposed of directly at the Sevier Solid Waste, Inc. facility.• 5-Bag Limit: Each resident is limited to disposing of five (5) normal-sized garbage bags per day.• Bulk Waste Limit: Residential bulk waste, construction/demolition, and green waste disposal are limited to a 5' x 8' truck bed load or small trailer per day.𝐂𝐞𝐧𝐭𝐞𝐫 𝐕𝐢𝐞𝐰 𝐑𝐨𝐚𝐝 𝐌𝐮𝐥𝐭𝐢𝐩𝐮𝐫𝐩𝐨𝐬𝐞 𝐂𝐨𝐧𝐯𝐞𝐧𝐢𝐞𝐧𝐜𝐞 𝐂𝐞𝐧𝐭𝐞𝐫 𝐭𝐨 𝐫𝐞𝐨𝐩𝐞𝐧 𝐨𝐧 𝟖/𝟐𝟔This newly renovated multipurpose convenience center will serve as the first multipurpose site to serve both Sevier County residents and short-term rental unit cleaning companies.

You could always use those to prove they were smoking up; with that proof you can either move to evict or simply hold security and at least have some sort of proof.If you install a marijuana smoke detector I wouldn't even tell them what it is (aside from a smoke detector) as they might try and disable it.

They will want copies of all the leases of the properties you own and proof they are paying.  

There are programs out there for owner-occupied properties that don't require proof of income, but expect to need a hefty down payment (30%+) and reserves.