For instance an unpaid cell phone bill.

Now there are instances where I recommend long term over short term rentals, it just depends on your expectations as an investor.

So I’ve read I have to start an LLC in Pa because it’s where I reside, but I could create an LLC in a state, let’s use Wyoming for instance, that would be the owning entity of the LLC that I would create/own in PA to protect my privacy and my personal assets in case of a law suit.

Construction is like herding cats, in some instances unforeseen cost overruns can force a project into dissolution.

Most guidelines state minimum 1 year but in practice when these applications come in I've seen that 6-12 months with a reasonable explanation can be done easily.Now some times in rare instances with exception I've seen buyers get approved even under 6 months.

For instance, Iḿ sure in Congress Heights DC, you could get a property that is in distress; add value and accurately break even or lose a small amount for a short lived, precise degree of time.

I do think in this instance, you may want to try a local CU if you have an easy time qualifying for conventional financing 

I have read that in some instances, the mortgage company will use its due on sale clause, so that makes me a little hesitant.

However, older instances are to be considered more holistically, suggesting a more lenient approach to past financial or rental difficulties as time passes.Exemptions and Protections:Certain properties, particularly older houses that cannot easily be brought into compliance with current codes, are exempt from some source-of-income rules, acknowledging practical limitations in applying these rules universally.Landlord Liability:The ordinance provides protections for landlords in terms of reliance on third-party information to reject a tenant, mitigating potential legal risks associated with tenant selection processes.Fair Housing and Legal Compliance:All considerations of prospective tenants' applications must align with fair housing laws and other state and federal legislation, reinforcing the ordinance's compliance with broader legal standards for housing discrimination.

I’ve had a few instances where I’ve felt a lack of respect due to being a female and on occasion due to being younger than my tenants but for the most part it’s never been an issue.