That's it, they don't set what price a product has to be sold at.

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The market is competitive but if you deliver a consistent quality, in demand product at a good value you will do fine. 

The toilets flush fine if there’s no paper products in them.

Look at State Employee's Credit Union (North Carolina) and check out their mortgage products.

If you're slowly increasing but still slightly under market, have a better product, or better service (or all 3) and have rental comps to back it up, if they start to ask you can highlight these points. 

One thing is for sure certain Ghosting lenders/ investors is about the worse thing you can do as a sponsor even if your communications are bad news..

And when demand is high, the product goes to the highest bidder.

There is no one best product.  

Definitely a more niche type of product, but, incredibly useful, especially across the Midwest where many rental properties are less than 100k.