@Radley Estrada    Have your tenant contact her medical insurance carrier. 

Lender will find out, and it's a huge flag when underwriting finds out that you were trying to hide it.Q2: Someone is feeding you bad math.

Here’s what the numbers looked like with pro forma: Here are the actual numbers for 2016: Immediate red flags: Revenue.

You need a landlord attorney, just from what you have already posted, the red flags went up.I agree with @Mike Cumbie, don't post further about the incident,, get a attorney Check with Minnesota Multi Housing Association for names of Attorneys, and join MMHA if you are not yet a member,, they have a attorney that writes a column and she is great,,  her first name is Donna,, she gives seminars on Fair Housing and is top notch in her field. 

I stumbled upon mail carrier route marketing offered by the US Postal Service.

I have a client that has a property that can be further developed by partitioning a flag lot.  

If you insist on proceeding with this skinny deal with multiple layers of higher risk and red flags, and haven't already done this - make darn sure you have a reputable lender lined up on the refi who has already pulled your credit and reviewed your financials.

That just feels like a small red flag to me.Of course the other issue you may be dealing with is that you have put a property under contract without the intent or ability to close on it.I don't know how WV views that, but here in MA, the seller would have a case for fraud and the state could come after you for brokering real estate without a license - unless you're licensed and haven't mentioned it.

At the minimum, you could get flagged as a "bad actor", which basically blacklist you from securities, and goes downhill from there.It's a real PITA my friends!

Some exceptions exist for estate planning.If you have some other type of loan it will depend on the lending institution and their internal guidelines.The insurance carrier is usually the one that alerts the bank, but the bank might also learn about it through their usual tax records analysis.There are members here on BP that have had the due on sale clause invoked by their banks, so it is a risk.