Looks like you fudged the loss percent, it's not 20% it's 25% since $1,200 is actually 25% of 4,800. 960 is 20% of 4,800.In all of these examples, the "-" (minus sign) in front of the return cash number or return percent number means loss (also the color red).

That triggered an ancient childhood memory of a song:"Well Senor Don Gato was a catOn a high red roof Don Gato satsomething something something somethingMeow meow meow"etc.

(I know, big red flags should have gone up immediately)I found this out when the realty company where he formerly worked called me to ask me about the rent check I had sent.

I guess I'm just a considerate guy :)So my question still is, would going that route be a red flag to a lender or not?

When the lender reviews the HUD statement your fees may bring up a red flag.

Walking son home from school the other day because he was a bit sick and some dumb a$& decided to run a red light, had to make sure son got to the curb, a bit painfully (he landed on his butt) but I got clipped by the vehicle.

How many consider this a red flag, or is proof of income enough?

Addresses on the application may not show up if they never applied for anything, but extra addresses are a big red flag not worth even investigating.

I feel I have an OK sense of what makes a decent investment, and what red flags to be aware of.

Most people, myself included, will not be comfortable answering that question, but perhaps we could address the root question.