I will attach a picture, so, if possible can someone tell me if they see any red flags on the requirements.

Try Carmine DiFulvio at First American:  866.993.1031.  

Keep in mind that even if you do qualify, claiming a business with zero income yet substantial expenses is an IRS audit flag.

I see it as a red flag.

The fact they are even asking indicates they are probably living paycheck-to-paycheck, whichis a red flag.

Even if you put cash in, there are flags when it comes out.   

From union retirement funds in Ireland, the John Hancock's of wallstreet.... from Zanzabar too Aruba and all points in between there is literally TRILLIONS of dollars wrapped into mortgage securities, and your saying "yup, can just waive a magic wand and say it all stops"......Now that alone shows how foolish and childish naivety it is to say property ownership rights can just vanish, but there is multi-dimensions of this such as a little thing called contract law, THE CONSTITUTION, the supreme court, the Union itself, the NAHB, the NAR, the tens and hundreds of millions of Red White and Blue bleeding AMERICAN PATRIOTS who over their dead body would allow the US OF A to be turned into a Soviet Socialist Communist waste land!!!!!! 

I flag a value, apply 75% factor to it assuming I can only refi at 75%LTV. 

After spending a TON of money with american "integrity" insurance and then being messed over by them recently I decided to drop them.

Your lender will see a huge red flag that they see your in forbearance, you've elected to not pay your mortgage because you are having financial issues.