They will most likely have to allocate your utility payments based on the square footage of each unit to account for deductions.There's a lot more to discuss as with any new purchase. 

By income or square footage? 

No one ever explains how to easily estimate what a property is worth by finding what a vacant lot in that area is worth and adding on the New Construction Cost of a house with the same Square Footage.

North Omah a NE has historically been red lined but recently received a big influx of funding and has some strong Econ dev nodes.

It def adds red tape.

One thing i did notice was that he didn't have a rental history (red flag i guess) but when i asked he said he leaved in another city with family and has never had the need to rent.September and October rents were paid on time but after that from October to February his rent payment was a hassle to get as we had to call till they were finally paid.Then came the Covid-19, we tried to worked something out.

The only one I know personally is Eric Boyd with Red Rooster.

I wrote a blog on it for BP if you can find it.but normally any up front fee other than apprasial or modest app fee to cover credit report is a red flag.rates too good to be true  ESPECIALLY now rates jumped up a bunchand right now first time borrowers are going to have a really hard time finding anyone to do a deal with them without 50% cash down or right about there.bad englishapprove you too quick just send 500.00 bucks.. paying points before the loan closess.bad website  or no website.you want to stick with the ones that are well known here is a few.Lima oneLendinghomeLendingoneRenovoAlohaCivicIron Bridgeall of the above are real.

We had a 1100 square foot home insured for $210K, quite sufficient to rebuild before the fire.  

That's a red flag.