Also no financial crimes convictions on your record. 

You could never expense a full automobile in your situation, but claim mileage as long as you keep good records on distance and purpose of each trip. 

The Index recorded a reading of 143, reflecting a High level of demand for homes.

We could not get a title company to insure our smaller lots as it went against the recorded CCRs. 

Before this, I had asked the sellers agent for the water bill but they had refused to give it, saying the seller has already gone 'above and beyond' because they gave me some rent receipts and saying seller does not keep good records.

Single-family home sales increased for the eleventh consecutive month, up a dramatic 47.4 percent year-over-year with 9,105 units sold;The Days on Market (DOM) figure for single-family homes dropped from 58 to 40;Total property sales rose 58.3 percent with 11,348 units sold;Total dollar volume increased 85.9 percent to about $4.0 billion;The single-family average price reached a record high, rising 20.0 percent to $371,854; The single-family median price climbed 17.6 percent to $295,000 – also a record high; Single-family homes months of inventory registered an historic low 1.4-months supply, down from 3.4 months year-over-year and below the national inventory of 2.1 months;On a year-to-date basis, single-family homes sales are running 24.4 percent ahead of 2020’s record pace.Townhome/condominium sales shot up 112.7 percent and reached record-level pricing with the average price up 8.8 percent to $246,940 and the median price up 11.0 percent to $200,000;Single-family home rentals fell 3.4 percent with the average rent up 11.0 percent to $1,960; Townhome/condominium leases rose 15.1 percent with the average rent up 8.0 percent to $1,688.HAR

The only reason I can think is that they want to see a local lender who has a track record closing deals in the market.

If you have an amazing track record as an investor, home builder, professional land lord etc. you are going to have a lot more options. 

He has several Civil and Criminal records that concerned us. 

Cons : Visible Name and Contact info on property records.