Verifying last 2 years of rental history very important!

Did the underwriter not verify that you had the funds to close before allowing you to close the loan? 

Verify charges are fair - Cheap Carpet and pad is about $2-2.5psf installed.

He is telling me that I am still covered and that he will call the insurance company on speakerphone so that I can verify coverage.

It is important to use both to verify the viability of STRs in an area.AirDNA can be hit or miss depending on how many rentals are in a specific area, but looking at overall listings on both AirBNB and VRBO can help add to the data points.You have to ask yourself what would bring folks to Rocklin?

The German duplex has two identical floor plans above ground.

From the outside, these 2 VERY different Syndications can look all but identical.

I had no verifiable work history, some second-hand furniture, thrift store clothes, a salvaged minivan, and -$2000. 

You are obligated to provide the oldest verifiable operating statement (base year), which is adjusted into today's dollars (Using an LA City formula for inflation) and this is compared to your current year (yes with receipts, cancelled checks, bank statements, k1's etc), which can be significant. 

But almost everyone I know says the same thing:You create the listing and send it for approval.You immediately get a call from the automated service verifying some of the facts about the property.Then you sit and wait.