What age did you say the roof was when you purchased the policy? 

There is so much here at BP, you can immerse yourself for ages.

Quote from @Jacob Sherman: ground up construction is always much cleaner . in a fix and flip there are many unknows that may pop up after the demo stage is complete  this guy knows what he's talking about. forget fix and flip. new construction also appraises 20% above at least existing depending on age plus land cost is cheaper and less competitive, especially in markets like columbus 

It probably would have solved your problem unless it was just an aging/untrained animal. 

and high-quality visuals or short videos explaining your process.Target your audience by focusing on specific zip codes, homeowners aged 30-65, and interests related to real estate and home improvement.

This is a larger 2500sqft home so that makes a lot of sense.I'm sure the age of the home is a factor in the replacement value as well. 

The mortgage market is healthy so there are several ways for income to be calculated including but not limited too: full income verification of two years W-2's or tax returns, 1-2 years of a 1099, average deposits of 12-24 months of personal or (50%) of business bank statements, an up to date P&L, DSCR (debt service coverage ratio) or rental income (investment properties only). - Appraisal.

The loan is conventional and they are asking for Employment Verification saying I work remote in order to settle the occupancy rule. 

What age?

At the end, subtract the mortgage payment and cap ex reserve (depends on age of the property, but 2.5-10% of gross rent received) and arrive at cash flow.