The caveat being you must have a good credit score and indicate a decent amount of liquidity beyond your down payment and closing costs.  

A person's past performance is a good indicator of their future performance.

We have an independent constracors agreement, and make everyone provide proof of insurance, fill out forms indicating they either have or not required to have workmans comp.

That is the best indicator of growth.

If it does say "or" that seems to indicate that it isn't a 12 month "lease".My guess it is a TAW (Tenant At Will) agreement that is just stating the terms for the next 12 months, unless they change.

That said, she agrees that current rent is too low and needs to be brought much closer to market level and indicated that her thought would be to step it up to normal levels over a couple months if they decided to stay.

We requested the declaration of documents that says this and are waiting for the HOA to provide this to us.The HOA indicated we can possibly contact Board of Directors and request to rent our home but it would be unlikely because if they do it for us they would have to do it for everyone else.The home is upside down.

The underwriter did not accept my sublease agreement with my roommate, which indicates that she pays half of the apartment rent.

I haven't given him any indication why I'm not renewing his lease.

For instance, I found a foreclosure for $25,000, went out to look at the property and from the outside, I could tell that there were no indications of foundation problems, could use new shingles (but no need for whole roof rebuild), new windows and probably air-conditioning repair(10-15,000).