Wouldn't it be ideal to have a lot with just a house, a lot of driveway parking and cement (low maintenance), a small amount of drip system w/ drought resistant plants, and a bunch of high end weed tarp underneath decorative rocks?

If you continue to get resistance from the banking industry then consider other financing options like private money.

If they increase it to 5 years there’s going to be a lot of resistance.

Organize the resistant, over throw the government, and become the supreme leader of America.

A well insulated building makes your heating and cooling loads less ... here it means you could use electric resistance baseboards with manageable loads.  

I can't resist the urge to ask a question so I just shout it out.

I imagine the path with the least resistance is just get a hold of your RA and get the documents they sent.  

The lender is almost always made whole.If the debt markets are giving that much resistance I believe its a sign its not that great of an idea/project/investment.

I see a few that seem to be popular at Home Depot & Lowes like Bathworks & Rust-Oleum but I have also seen reviews stating that people should avoid those brands.I have heard the concerns regarding slipping and I see that Bathworks now offers a slip resistant additive.Also, has anyone used these products on the tile surrounds or a backsplash as well as the actual tub?  

Unfortunately, the path of least resistance is trash (which can also fill your dumpster for the week upsetting other tenants) so you want to discourage that path and provide alternatives...Also, I require the unit be empty and clean, with one exception, and that is cleaning products which can be left in cabinets under the sinks..