Hope you never need to go through an audit, but this came to mind. 

Especially if there is a audit on this loan, this could be considered as an "occupancy fraud".

Insurance would be an independent company, but you would have set that up prior to purchasing the property.

They are a service charge for cost of collection--which has costs independent of rent. 

Get an independent (someone who doesn’t have the conflict of interest of also offering remediation services) certified mold inspector’s opinion and you’ll have more pertinent data with which to decide. 

It will be adjusted under audit or examination with substantial understatement penalties (because it's a frivolous tax position), and the courts will agree with the Service here.Third, if your LLC taxed as an S Corp owns the property, you ruin your Sec 121 exclusion, and probably your homestead status for property taxes.Please consult a competent tax advisor.

About 90,000 California households are behind on their rent by a collective total of $400 million, according to an estimate last week by the independent Legislative Analyst’s Office (although other estimates have been much higher).

Both meet all requirements independently of one another, so combined income is at least 100% over the minimum. 

Curtis, I would try to find a local independent insurance agent around that area. 

A lot of the other items come up during the Due Diligence process (lease audits/agreements, reviewing financials, service contracts, etc), but we also ask for copies of utility bills.