If you're unsure, I can estimate the ones NOT in bold. 

The hard money loan would cost $6500 a month and that would put me in the red quite a bit.

Surprisingly, most that know they won't pass either object (red flag) or don't even apply, saving me time. 

The credit cards are a big red flag.

Much lower fees than a refi, you don't pay interest if you're not using the money, not as much red tape.

Missing rent 15 times plus an eviction is a red flag.

The first "red flag" that i noticed is that i's close to a water treatment plant.

@Lynnette E.  660 is not a good credit score in my market and a bankruptcy - especially one so recent - is a major red flag.   

As u go u learn to see red flags.

The preach of 3.5%-5% down is irresponsible without the bolded condition of know your numbers, don't over leverage, have contingency funds and plans, DONT OVER LEVERAGE.Legitimate good deals are far and few between for most people and agents so they make a lot of BS excuses to justify a bad buy as something decent, they are wrong and just in denial as it highlights there weakness to perform in the market.