Just like you, I use BP for knowledge...this is a controversial topic (as evident by the participation).

Ahhh.... because it's a reasonable question for reasons that are self-evident, i.e. we want to know success rate of program.

Lenders that could do “X” can no longer do “X” when the economy goes a bit crazy and this has certainly been evident since 2020.

As best I can I point out either evidence of issues if we can see them when we show homes, so you don't waste inspection and option money on homes you end up not really wanting to buy.   

What is unethical ( and possibly illegal) is making the seller withhold material information from his bank so that you can profit in violation of his contract obligation to so inform his mortgagee under the implied covenant of good faith and fair dealing.”LOL, seriously, why do people make stuff up when evidence is presented that proves their position incorrect?  

. - "False Evidence Appearing Real" - and you have to be careful who/how you ask about it (Hint: don't ask an insurance salesman if you need insurance).Info: The Asspro Nebula - What is needed for complete asset protection OR the domains that need to be intersected to find asset protection nirvana -https://www.biggerpockets.com/files/user/CosIorg/file/asset-protection-spectrum-diagram b. 

Also, so you won't have to rely on second hand anecdotal evidence of strangers online (including me). 

Instead of just repeating yourself with statements like "it is illegal" and "look it up" and "it's a fact" why don't you try supporting your argument with evidence?? 

Make sure you also analyze the economy of the region and it's creating jobs and that it's not based on anecdotal evidence of the area being hip.

Did the municipality submit any evidence?