Our borrower was purchasing a primary residence and was denied by another lender because they did not have sufficient cash reserves nor documentable income.

Our borrower was purchasing a primary home and was denied by another lender due to insufficient cash reserves or documentable income.

I tried to request it at my old apartment complex and was denied which is common.

Hemlane takes you out of the equation and allows the tenant to submit a request thru the website and you just get notified about it, and approve or deny the work.

Both denied me on my 2020 income not meeting 200k.

A few months after I opened my first real business, I was standing at a bus stop in the rain waiting to go to the office in the city. 

The lender can petition the court to lift the stay, but if any equity exists in the property above the indebtness the court will deny the relief of lift and the lender will be dealt with in the course of the bankruptcy.

Too many people have abused it for investment purposes.

In most states, you can terminate a lease agreement if the tenant has abused their fellow tenants, other tenants on the property and landlord/manager. 

This is still better than just denying requests.