You can have a CD and still have the loan denied altogether.

Most people never continue to inquire after the application.If someone ever explicitly asked why they were denied, I'm prepared with reasons.

I even had yellow stains in my bathroom, showed management and they denied it was from neighbors smoke of. 

I've recently combed through all the Zoning Board of Appeals documentation for the last couple of years (and I had done the same back in 2014) and in almost all cases the board denies requests to re-establish rights. 

Then, once each rental is done this way and applied to income or debt, they are going calculate your DTI and qualify or deny you based on the DTI requirements of that particular loan program (28%, 30%, 35%, 40%, 60+% back in 2005, whatever).The above underwriting method is know as "washing" the debt of each rental property with its income.Another way that they do it is they simply take the PITI of each property straight to the debt, and the rental income from each property straight to the income (usually also reduced to 75%); rather than washing it first.It is advantageous to the borrower's qualifications to "wash" the PITI with the rental income and then apply the remainder, whether positive or negative, to income or debt. 

So, I would say that I'm in need of an public insurance adjuster to help me out since I have a strong gut feeling that they're looking to deny my claim.

It's been denied 3 times by the judge but they're still fighting it.

They will look good however there is a good chance they will get used and abused regardless of the cost or quality.

Claim denied, no insurable interest of the policyholder (the LLC owns it, not John Doe)Truly mind boggling the bad law and insurance advice given on this forum.There is no free lunch.

Landlords advising to charge a hourly rate that do not have codes authorising this charge may be challenged by a tennat and in a court of law will likely have the charges denied.