I would first check city/county STR rules and HOA (if applicable). 

One housing authority wouldn’t even entertain the request, while another was open to it because it was an affordable housing property, requiring just an application for the exemption.From my experience, dealing with government agencies, especially when trying to save money or get financial benefits, can be a slow process.

However, without significant updates, they’re likely to reject your application outright without leniency. 

The behavior is a bit off, but not surprising for a mom & pop landlord.We tell our residents exactly what we need from them for the application. 

My issue is, it's been almost 3 months and I haven't be able to get good tenant applicants.

Challenge is where is their motivation to properly screen applicants and get rid of nonpayers?

Is your DSCR ratio greater than 1-meaning are you cash flowing (according to the lender's criteria of mortgage, property taxes and insurance (and HOA) if applicable).

Lenders will not send out an LE without a complete application (which includes a property address) because it's basically binding.

:)As for LTR rental terms, usually we sign a 1 year lease where tenants are expected to pay Electric and Gas if applicable, while the owner typically pays water/sewer/trash with the city. 

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