Are there any lenders who can lend on this?

In that case you could live in one (assuming you qualify of course) using owner occupied financing on that particular property and investment financing on the other three. 

They allowed the tenants to breach their contract on multiple occasions.

So, there are different underwriting guidelines for different properties based on the location.

I only have two more Spanish classes left to complete my degree, but since they must be taken consecutively, I have extra time on my hands.

Hi Rebecca, glad to have you on the forum! 

My question is - if nothing comes up on a background check, but I find court records that tell me something different, can I use those as a reason to deny? 

We typically don't have trouble with getting 80% of your purchase reimbursed to you as long as the DSCR hits 1.00+.Here's a quick breakdown of the eligible loan amounts based on an all-cash investment strategy:• 0-6 Months (Delayed Purchase, no Rehab completed) - up to 80% of purchase price• 6+ Months (Cash-Out Refinance, no Rehab completed) - up to 75% of appraised value• 0-3 Months (Cash-out refi, Rehab completed) - 75% of appraised value [good rates]• 3-6 Months (Cash-out refi, Rehab completed) - 75% of appraised value [best rates]Happy to discuss your specific deal whenever you've got time to review.

It’s illegal to sell a property with a loan on it3.

We always tested people out on small projects first such as doing a gut of a bathroom, 2 day repair jobs, etc.