Who is this tenant, and do they care about their credit score?

Hello everyone,I am going through the mortgage approval process and though everything else checks out (good income, credit score, reserves) she is claiming that I cannot qualify for an investment loan because I only have one tradeline (a credit card).

I paid off a home equity loan too fast with my credit union once and when I went back a few years later, the loan officer asked me first thing if I was going to pay it off quickly again. 

At the conclusion of the league's season, I won the trophy for "High Score Handicap".

See where your credit score is.

I had to mention a couple times the implications of losing the home would be to the owners credit score. 

I don't know your market but there isn't much meat on that bone from a cash flow perspective... putting 15% down and paying for repairs makes it ugly in terms of CoC.The structure itself... it's about what you'd get from a credit union... 5% is likely a little lower on a 30 year amort but with the 10 year balloon it is similar. 

We eventually found a few credit unions who were able to do some financing.

I know where they live, their employer, income, social insurance number, credit score, age etc. etc. etc. fairly easy to find out where I live even if I had not provided them the information.

You can certainly run a check on a Cdn citizen - can use Equifax of Canada or Trans Union.