That route might save you some money, but it would require a bit more of your time to find the right team and manage the process.

Am I misinterpreting the purpose of the ___ fields, and they just mean "modify this in some way", and in the (G) instance the correct modification would be to delete the payment types which aren't accepted?

Again, all answers that might be better answered in private.You are correct that a lot of lenders just don't understand how we work as investors but that's why some of us hang out here. 

@Troy SmithThe advice you received is correct.

I just keep hearing over and over again to just take action and course correct from there. 

The valuation and market value of a multi family property differs from a single family and you want someone that understands the distinctions if you go that route.

I might look into that route as well. 

But there are other tests and if planned correctly, you don't need these two tests or even track hours the first year if your participation is substantially all hours.

If pool in ground is not an option or not in your budget, a quality above ground one could be a good route to go.I would definitely make sure you have an appropriate coverage.

Asking in the correct forum will get a better response.Read the RULES!