(This was reported in this forum several months ago and in the Chattel Finance Newsletter as well. 

Check all three of your credit bureau reports and dispute anything you don't recognize. 

Separate from the CA form 568 for Franchise Tax, California has its own equivalent of UBIT that applies to tax-exempt entities and a form 109 is used to report.

From the owner directly with a copy of their statement or from their credit report (Assuming it's not charged off or subject to BK) and both methods require cooperation from the borrower and, at least one method puts you into tremendous legal trouble if you obtain their credit information without permissible use to do so (Like buying someone's credit report on line)?

The seller was fine for the loan to remain in his name and on his credit report for up to a year.Why I did the deal:Some folks would wonder why you would do a subject to deal and put a 12 month timeframe on it?

Insurance looks right, but the way to determine that is to have your insurance agent (in NH) get a loss run report and quote you ahead of time. 

However, if the place is operating as a rooming house - legal or not - when the appraiser reports back that there are 6 bedrooms (each with their own locks) and separate leases for each of the tenants, the lender will run away.Additionally, what @Ned Carey indicated about debt service not being included in NOI holds the same as practiced by investors in Canada.  

To get your deposit back, I suggest showing your move in report with your own pictures as evidence of the condition of the unit.

While filling out the application at the mobile home dealer, I asked whether I needed to include a car loan that is not reported on my credit report, and was told that I didn't need to if it's not on my report.

As a Realtor, Here is my advised IF you do decide to wholesale and and are reported for "equity stripping" you will lose your license and get fined heavily.