Wetbars do not count as a kitchen, so usually they don't raise any flags on an appraisal. 

Now, with the new VERBAL agreements being thrown around, that should have been RED FLAG # 2.

“I guess I was just trying to convince myself it wasn’t a scam.”This is pretty much the textbook definition of a Motivated Borrower, @Michael Hopkins.A motivated borrower is when you see all the red flags and other warning signs during the loan process, or any deal for that matter, and choose to ignore them because you really want to move forward, believing there are no alternatives.

I tend to go with the absolute cheapest insurance policy I can get because insurance carriers are notorious for trying to weasel out of not paying for something they should be liable for. 

The website is just the name of the company dot com (I didn't want to type it out to get flagged).

Also I read everywhere saying that termite is a serious red flag to purchase a house.

That's a red flag in my mind but I don't have experience as a landlord yet. 

Hello! I've recently walked through a duplex that I have been interested in.One half is already rented out, which is great because I had been planning on house hacking.However, I met the tenant and started asking her ...

I've checked with a few different banks now and they're not interested ... too many red flags for them.

Otherwise, it raises red flags for me if he is looking for money on this kind of deal.