The issues can be local so look for someone in your area who is posting and try to contact.   

Shayan,Best option to avoid issues and stay risk free along with having a better approval chance would be to go with a Cash out refinance.

Redlining IMO would only be an issue if @Jimmy O'Connor said to stay away or refuse to do business somewhere; he did not do that, he just pointed out property characteristics.

The issue is cost.

But you have to ask proactively, and be mindful of how long you stay in forbearance to avoid long-term credit issues.🔹 Insurance Challenges – Even when insurance pays, it rarely covers the actual cost to completely rebuild.

Hi @Mindy JensenI had the same issue as  @Deborah Burian.

He makes sure we maximize all deductions and have no issues.

Both told me the apartment floods so bad amongst other issues.

We are good friends but that's also not an issue for them because they are a dual veteran couple.

Class midwest issues.