I'd call your agent first, but I don't see much risk from making a claim, even if it is denied.

Renters do NOT care and they will abuse it.

I don't see the point in doing a hard money loan if you get denied a conventional loan, if you will only get denied again when refinancing.

Before i could reply she sent another message "I can renew the emotional support animal (with a therapist)".I know I can not deny her the rental based on the ESA.

Yes, there are legitimate reasons to take the loan if you really need the cash, but you don't want to abuse this, you will hurt yourself if you do that. 

The tenant denies it but I found about 8 broken cars parked by the house.

Deny the tenant, no questions asked...P.S. 

Once you get an indication that your lead flow is slowing down, pause your list before you abuse it.A quick way you can tell if your campaign is performing well is to look at how many hot leads or interested leads you received during a given call block (e.g., over a week or month).

If you borrow too much with a bridge purchase loan you could face an unwelcome surprise if one of two things happens in the future 1. values decline and/or 2. lenders reduce max LTV on PERM loans rate and term refinance loans Hi David,Thanks for your input .I’m not concerned about the value which I’m confident in.My concern is that I don’t want to fall into the cash out guidelines for which I’ll soon have to wait 12 months plus a higher rate.Are you aware of any changes of Fannie May/Freddie Mac for rate & terms  to confirm or deny what my loan officer told me?

I would definitely change the insurance, so you don't leave opportunity for the insurance company to deny the claim.How long have you owned the property?