The first issue was that my homestead did not process before they checked, so they just denied me instead of asking for proof of filing.

They want proof of funds, and hard money doesn’t count.

I imagine that after this unsuccessful attempt at eviction, bad blood, bureaucratic targeting and threats to family you would be left with one thing: A bullet proof tenant which would change the control dynamic.

  ( combined loan to value)  as in do they have a second on the property13-credit score of borrower (the lender has the right to do updated credit checks during the life of the loan) 14-employment status of the borrower currently.15- a provable payment history ( proof of deposits)If you haven't done these checks then you aren't doing your due diligence.I'm not saying all the above have to be done or great, but you need to know what you are buying. 

We have improved the ad to make it as idiot-proof as possible, but we are still getting pretty terrible leads.

... etc.The reasons I'm asking those questions is because the word "Analyze" can really mean a lot of things and depending on what it means to you, some calculators (analysis tool) might be more suited than others.I'm of the opinion that when you perform an analysis, you want to get a very complete picture, so that you can also run the "negative" scenarios to fail proof your investment as much as you can, before you pull the trigger.Good Luck. 

In the future you must require the tenant to show proof they have set up the utilities in their name before you hand over the keys.

So I required the solid underwriting Mike did and proof of take out.. 

My only issue is that I do not have a proof of income so I'm having a hard time finding a bank who would want to give me a REFI.

I feel like I've been doing all the leg work and he's not willing to submit offer without proof of funds.