If they have delinquent status on medical bills over $20K, that is a red flag.

You're going to have a hard time justifying yourself to a judge if two owner occupant mortgages close within a few months of each other, assuming of course the 2nd underwriter doesn't pick up on this obvious flag for fraud, cank the deal, and put you on a list that lenders share.Best bet if you want both: You're doing 25% down anyways... switch it over to investment property financing.

The fact they are complaining online might be an indication the property manager dealt with them properly so be sure to ask the manager for their side of the story.Here's my final note: if the property manager is unable to explain something to your complete satisfaction, it can be a red flag.

He's great at matching the right carrier who specializes in whatever it may be, 2-family, 3-family, condo and will get you the best value for the dollar spent. 

Red flags are going up in my head because I'm wondering if the tenant is trying to use her health issues as a reason to not pay rent due to the flooring not yet being installed.

Again, there's too many red flags for me to move forward with this prospective tenant, but given this situation, how are they to be treated/handled?

I know that would be an immediate red flag.

Definitely don't go buying anything else with an owner occupant loan for the first year though, that might come up as a huge red flag. 

The initial screening utilizing the 50% rule put this as a fairly solid prospect, and in getting a tour there were no red flags (brick, good condition, B or C neighborhood).

This time it’s the dollar & entire federal government & corruption that will bring it down starting with big red flag areas like auto loans & student loans.It’s time for commodities to get their due from oil, silver to crypto!