Yes, we are talking about due diligence here without necessarily going as far as enhanced diligence.
I believe there were actually many red flags. Every one of the flags had to be documented. That is very important. You cannot just look away and say, “it is okay, we are in a hurry.” No, each of the flags you listed must be documented. You must do the work, asking for additional guarantees or other explanations. You have to do the work, document it and disclose it.