@Justin Heacock this is all too common and it is NOT something that just popped up "because of covid".  

@Michael CoteIf the property is owned as tenants in common(TIC), the rental activity would be reported on each taxpayer's return based on their interest in the TIC.

She said she was desperate for a rental and, besides, this scammer told her he was doing "God's work" as a missionary (blah, blah, blah; a common ploy used around here) so of course she believed him.What I'm seeing (at least in my neck of the woods) are increasingly desperate people looking for a rental they can afford.Gail

So I have rooming in my home can I put a camera in the common area of my home?

Two of the common areas of concern for HELOCs I see out there is the 10 year maturity date and the adjustable rate.

Is it a common practice for the property mgr to NOT be in attendance when a loan appraiser does a walk-through of a rented property?

Another good thing about this market is you don't have to deal with frozen pipes that burst, a common issue in colder markets!

Some other costs you need to consider which are commonly missed from turnkey proformas - turnover/rent ready costs, "hidden" property manager costs, closing costs, and lawn care/utilities/pest control/hazard insurance (if applicable).

@Nate Lee In a normal real estate market or even a buyer's market, FHA loans (203b & 203k) are very commonly accepted. 

I hear your frustration, but having worked in customer facing roles for most of my career, it is very common for people to go radio silent.