Within a year I had relocated to CO (while still holding the property) and when I was looking for another house hack here, according to my lender, I was eligible for another FHA loan because I had relocated and was going to occupy the house.

Think Burnsville, Lakeville based co.'

Manmath,We deal with pets by requiring a non refundable deposit to cover damages.We charge Pet Rent per animal on top of the regular rate.you may have missed the opportunity to do either of these at this point.If the dog is damaging your property, then give them some choices:Get rid of the dog, or move out.Control/contain the animal or pay for any future damages.We have a list of dog breeds that our insurance co. will not allow on the premise, this is a good way to limit some dangerous breeds.

Since we bought REO, seller, which was the bank, dictated title co, and they were not great.Second one was an unrecorded death certificate, to clean up chain of title and take a spouse off. 

One of my properties in Denver, Colorado has two tenants (two 25 year old friends) both on one lease. 

It's basically new and $2,000.It seems I can document missing items and deduct them from the deposit in Colorado?

Building department has no documentation to back this statement up except a CO that was issued to us at the closing stating it is 2 units by them.

@Michael J ScanlonI already have a 771 credit score because I’ve had a credit card that I co-signed with my dad a while ago and I got my W2 but I only made a couple thousand.

You could always coordinate that with them, but if they say no then you have an issue because they may be more likely to use that clause if you do it anyway. 

(It doesn’t matter whether the loss is deductible on your tax return.)You, your spouse, a co-owner of the home, or anyone else for whom the home was his or her residence:Died;Became divorced or legally separated;Gave birth to two or more children from the same pregnancy;Became eligible for unemployment compensation;Became unable, because of a change in employment status, to pay basic living expenses for the household (including expenses for food, clothing, housing, medication, transportation, taxes, court-ordered payments, and expenses reasonably necessary for making an income).An event is determined to be an unforeseeable event in IRS published guidance.Other Facts and CircumstancesEven if your situation doesn’t match any of the standard requirements described above, you still may qualify for an exception.