@Viola Fisher if you have documentation of that communication and direct lender you will want to contact bank to share and see what if anything else hey can do and prevent loan officer from doing this to you (or them again) if it was a broker I would contact the lender they sold it to with the same information and hope they will assist you at a lower cost.Regardless you should be able to reuse the same appraisal if done that recently.

Excellent rental history with tenants.

After you sit down and get a good ruff draft of the documents with the lawyer give your self time to think of any other situation that could happen (sleep on it) and how you and your partner want to handle those situation so there is no question on how sertain situations should be handled.

While I like to put my requirements for renting (income requirements, no previous history of dispossessory filings or evictions, etc.) first in a rental ad I find many don't bother reading the ad before they respond.   

Learn from history and be prepared along the investment journey. 

Make sure you have documented everything really well. 

I would make sure the repair person documents exactly what the issue is and the cause. 

I personally require people with an ES animal to go to a screening site where they confirm the legitimacy of any letter or documentation.

If a borrower has recent judgments/ liens, late payments and such its a good indicator that they are not in position to take the loan.One way around the credit requirements is to add someone to the loan with a good credit history.

Assuming my personal debt to credit is extremely good (780 credit score, 50K savings, high income with low expenses)  It depends on how much other credit history you have.