I can tell you with certainty that experienced flippers, our market focus, are much less sensitive to a few points or percent than they are to speed to fund, maximizing LTV, minimizing payments, and above all a great trusting personal relationship.

A bank loan is not the best tool in a time sensitive situation.

Thus--unless it is time-sensitive--I would likely opt to wait until my loan closes before I make a change to my personal credit limits. 

Like making it time sensitive/password friendly to open and view & sign. 

If you're rate sensitive, it may make more sense to go conventional if you can qualify, but like you said, you may run into timing issues.

It could be that this price range is made up of a lot of first time buyers using FHA or low down payment options w/ added PMI and they are more price sensitive.

This might be an uncomfortable conversation to have with most lenders who are usually very DSCR sensitive on a rental.

The retail investor may settle for bad investor splits/terms, investor take-outs at refinance, no offering memorandum in advance of the webcast, no sensitivity tables in the offering materials, no rent comps, aggressive underwriting, and aggressive sales pitches but those investors will run for cover during market corrections, right when opportunity strikes.

I would also see what your sensitivity to vacancy is. 

You have a cat so you may not be as sensitive to it but others are.