What tricky negotiations have you encountered and how did you handle them?

Timeline:Property 1 Purchased Jun 2016: Purchased for 5% down @ 255k, refinanced about a year later at @ 325k with some minor renovations completed, and got a HELOC Oct 2017 for 20k and had 20% equity in the property vs 5% when I had purchased Property 2: - Purchased in February 2018 for 192k and had it reappraised in March/April for $222,500 - This was super low based on comps and I asked for a review based on the brokers opinion of value as well and he said he could not review it- After this the lender informed me that he could not even do the refinance with the appraisal because my DTI was off- He recommended waiting a year or so until the rents from the new property show up on my tax return and to pay off some debt for the ratios to start working in my favorMy realtor provided me some provide private lending info who were able to offer NO refinance on property #2 but they could do a mortgage on a new property we were looking at for 20% down, & 10% interest.I did not have 20% ready to go as I was banking on the refinance for at least a portion of the funds and had to turn down the offer.Curious if anyone else has encountered these roadblocks and If I need to wait or if there is something I can do. 

Every encounter with their office in the last 3 years has lead to closed doors.

The other tenants, similar to us, knew this was not a support animal scam and were OK with the dog if the owner cleaned up after the dog immediately. 

After encountering close calls with poop 2 times, we decided to say no more on this DIY.

But I sure don't want to have to encounter endangered salamanders!

Has anyone encountered this before?

There are also plenty of MLM scams programs that you could make money by owning all of the utility accounts. 

I have family who live in Central Austin, and they receive letters weekly by companies threatening them and trying to scam them out of their houses.

A scam perhaps?