Disclaimer: I haven't originated a FNMA loan in over a decade, but I don't see any evidence that it is an underwriter violation.

These evidently are some of the state investigator's findings.

And did you have a system set up to quickly do the filing, or would you start from scratch each time (manually go through your ledger, gather supporting evidence for failure to pay, showing copies of notices you sent to pay, etc.)?

To maximize the number of transactions you’re involved in you will need to:Be Top of Mind when they think about moving - which requires consistent reminders.Be seen as an Expert – which requires a consistent message and Evidence of Success storiesGain their Trust – which requires communicating integritySo, start out by listing everyone you know in an Excel spreadsheet.

Additionally, if you prematurely sign a Rental Agreement for a new Tenant, and there are any delays with the outgoing Tenant, or you discover needed repairs that were not evident while occupied, you have created bigger problems for yourself.

's statement two years ago, but it is certainly evident now.Also, enough with beating up us little guys and others on here, we are the ones doing it right!

If they have evidence of prior rent payments on time, and enough money for security and rent that is all you need to worry about.

In the end, I lost my full deposit without the landlord showing any evidence of damage. 

However I had no evidence to argue otherwise with him.  

The borrower must also:Provide satisfactory evidence of the increase in dependents and the property’s failure to meet the family’s needs.Pay down the outstanding mortgage balance on the present property to a 75% or less loan to value ratio, exclusive of any financed mortgage insurance premium.Vacating a jointly owned property: If the borrower is vacating a residence that will remain occupied by a co-borrower, the borrower is permitted to obtain another owner occupied mortgage.