It may be that they are underwriting the property at a significantly different valuation than what you are using or that they feel that you or the deal is excessively risky.

Your lender should be able to help dispute the appraisal if there are clear inconsistencies or missing information, especially now that the property is rented and generating income.It might also be worth exploring other lending options, as some lenders have more flexibility with appraisals or different processes that could work better for your situation.

Talk with a real estate lawyer as this may work a little different in each state. 

@Griffin Brenseke The decision to sell vs hold a property is full of those little decisions you describe that make such a difference in cash flow.

Within my 20 years of experience, I've seen West and Central Florida offer great opportunities across different markets.

Everyone here is going to give you a different opinion.

We've tried different software, with the same way, but Smarter Contact gave us the best results, so it's the way to go.

The same street with the difference of a hundred house numbers can look drastically different.I hope this helps, rather than be discouraging.

So that will make a big difference.

In rural Idaho, it is much the same way. the counties have minimum requirements and if you keep things on the up and up, it should be fine.Now, in a historical district, that is a different animal all together.