If the bank is imposing some limitation on the buyer (e.g., it cannot be the borrower), then what you're trying to do may be to circumvent some limitation.

My realtor thinks we can still make it work and meeting the ridiculous appraisal requirements imposed by Chase is less risky to the deal than switching lenders. 

When I go through with this strategy in the future, I will be doing a thorough vetting process to try and avoid unnecessary headaches.

My thought is is use the Rent Ready feature of reporting his payment history to the credit bureau so it can work in his favor as a trade line, but I'm wondering if this is an unnecessary added step since he can already pull transactions on his bank side. 

Plus, Zillow, Rentler and the other real estate platforms tend to have all sorts of unnecessary hoops to jump through for landlords, and I find a lot of their design very un-intuitive (I remember spending waaayyy too much time just trying to figure out simple things in Rentler).  ...why can't they make it easier?

I think I could address more, but it's unnecessary.

It's not a scam per se, but it's unnecessary and is designed for people who don't have the financial discipline to apply their excess cashflow to debt paydown.

This sentence, for example, seems completely unnecessary: "Thank you for your time and attention to this matter.

Ensure your investment pipeline justifies the fees, and consult the custodian about rollover options to avoid unnecessary expenses if investments slow.This post does not create a CPA-Client relationship.

One attorney said it is a must, whereas other said confidently that it is completely unnecessary.