Utility bills, rental lease agreements, paychecks with home address, address on IRS returns past 5, 1099 and w-2 mail to address, USPS mail records ... are what you need if you push the limit and get audited.

@Marian Freshour 7 years is usually a safe and prudent amount of time for those type of records. 

She doesn't seem to care about having an eviction on her record or the fact that I losing all this money and could potentially lose the house. 

So once that happens, the record 30% YoY appreciation we experienced may be a thing of the past.

If you get a 3/2 property under contract and give me comps of 400K but I look and i see that the city has the house listed as a 2/1 (meaning illegal or unpermitted additions were done) then why would I pay based on square footage for illegal work. 90% of my frustrations with wholesalers down here is them trying to sell 2300 sqft property to me for a "great price" only for me to look at the county records to see that only 900 sqft are legal and the rest isn't.

FACT: At no point in 10,000 years of recorded human history, has handout programs elevated a society or diminished dependency. 

You'll need to make sure you have the records to back up the carryover in case they ask.

Traditionally, banks rely on the analysis of customer financial information from payment flows and accounting records.

I learn a lot when we're doing the actual interview, but the deepest connections are formed when you connect off the record, on a more personal level. 

They are: verifiable income of $5,550 per month, good reference for previous housing history, pass credit check over 650, no outstanding past due obligations, no recent (10 years) bankruptcies, a clean criminal record, and no previous evictions.