Most of my google/bigger pockets searches are saying that you can no longer use Credit Score or some Criminal History events to deny an applicant, however most of these stories/posts are from 2019 and 2020 when the law was first introduced. 

I have grounds to deny based on my criteria.

I anticipated my budget and took the loan out and provided the contract when the contract was actually signed (the date on the contract has to be current so you validate your claim for the 401k loan going towards the house - I have gotten denied before on another deal that had problems at closing because the date was past the 30 day mark).

Is there a problem with denying an application because they exceeded the Occupancy level.

Now, if offers were comparable (and you'd have some investigating to do there to find out) you could then go to the conclusion of the agent double dipping, ask the seller if they were aware of your offer, if they were, end of story, if they weren't then you have an issue you can act on.Agents may influence a seller by the information they give or present, can't deny that but the last call is made by the seller.

If that gets denied, then I hit the deposit.If they are VRBO guests, nearly all of our guests select the $39 incidental insurance that covers up to $3000 in damages.

Also, we requested an extension of the closing date twice, which he rightfully denied.

Or, how about, originating broker confirms good insurance at origination, borrower transfers title without informing lender or originating broker, and without naming new owner as primary insured on hazard insurance policy, property burns to the ground, insurance carrier denies claim because named insured no longer owns the property.

Assuming no motion was presented or a motion was denied, AND the property was sold to a third party bidder at sheriff sale, PA sheriff sales have a 30 day window to contest the sale.

Because I have no income I can not get a loan, and her credit is to low and she can not get a loan.Next day we go into both banks that denied us on the phone, and get them to run our credit. low and behold her credit is now 648 and they will loan us $200,000 and we can get a house.Now do you see why I was so frustrated by Credit Karma?