You may get lucky with a lender that allows 20%, but don't count on it.Your refi loan assumptions are unreasonable.

Up your skills and you will probably get better results  No one is denying the existence of racism, but to come out accusing a whole market of conspiring against you because you are not getting business is unreasonable in my opinion.

An ICA which gives them the right to buy the loan with predefined terms within a certain time frame after default and avoid the foreclosure path would not be unreasonable. 

I would work with them based on their situation, not jump to unreasonable preconceived conclusions (as most landlords do) on what this might mean.

Nothing unreasonable, just brokerage liability concerns for extra caution (pre-list home inspection, no permitted work done by me regardless of qualifications, stuff like that).

I work unreasonable hours and am expected to keep up with unrealistic demands, every single day.

So assume you have to pay that leasing fee, and if they're unreasonable then it's time to address the issue of who manages your property.

I also unreasonably love my bank, love its history in the region.

I just completed a 14 day (Which I understand is "quick"), which extended to about 23 through negotiations over inspection issues.I have another property that I am likely going to go into contract on, yet want clarity as to what can be constituted as reasonable and unreasonable in terms of the contingency period.

Not sure if this are unreasonable expectations on my part, but to me what this means is that this person has experience findings off-market properties with motivated sellers before these properties end up on MLS, auction.com and other sites that visible to the whole world.