My specialty and focus is on buying sub to and you have to bring ALL your own docs, trusts, POAs, disclosures, how to add proper adendums to the purchase contract etc. 

Use liquid assets to assist in meeting full doc debt-to-income (DTI) ratio requirements. - Cross Collateralization.

Kyle PotswaldCitizens, first position HELOC Coastal Federal Bank of NCCMG Financial 70% LTVConsolidated CCU, high LTV NOO LOC, OR, WAEast West Bank, up to 60% LTV with "no docs” San Fran CA areaFigure 80% on a rental, not in LLC Finance of America, 95% CLTV, second home only, 680 FICO, not TXFirstBank CO and AZ 75% LTVFirst Florida Credit Union FLFirst CommonwealthFirst Midwest, IL up to 90% Chicago areaFirst Tech Federal.

You're going to need to show negligence, so make you you have documentation of prior times it has leaked. 

@Tracy ScottScour the HOA docs for wording involving occupancy such as, "not more than three (3) persons not related by blood or marriage living and cooking together as a single housekeeping unit."

Even though we were nor in tourist place, house seems almost more than 50% occupancy rate except winter. ( In winter we had mid term tenants)  However, even though our property is popular, because we pay a lot in mortgage, many times it is negative cash flow and pool seems constantly leaking.

Plumbing- corroded cast iron drain lines, corroded copper piping that leaks, sink trap leaks, sink popup ups that are non-functional.

Trash, miscellaneous such as water charge for a water leak, umbrella policy or other asset protection, book keeper/tax person, etc.  

One product is full doc and the other is limited doc .

The next morning he returned and found nothing wrong with the unit after tracing the lines for a freon leak.