I'd say it's a pink flag, not a red flag. It's not necessarily going to get you audited, but you have to be careful.

wasn't necessarily something that was a red-flag issue.

The point is to get it right, not necessarily to get it done early.

To the extent you don't repay, you'll be charged very high rates.

It's not a flag I look at (as) anything favorable.

If I say I am concerned, it seems like there's a red flag. There are no red flags. I just hope it's OK and I hope it's getting better and that he's feeling good. I don't see that this is a major issue.