In my opinion, two factors need more explanation / clearer. 1.

You can put it in a cover letter (along with any other explanations) on top of your offer when you re-submit.

The tenant paid the rent following my last contact, provided an explanation and says that it will never happen again.

No explanation given.

I have been talking to other agents about pulling a one time data out of the MLS and even with a step by step explanation they cant figure it out or dont want to take time to do so.

Also, the more origination charges you pay the lower your interest reate is (for the most part).DM me directly if you want further explanation.

Thank You for the detailed explanations, you bring up a good point i forgot to ask.

I respect you greatly for not just "washing your hands of it" and then not really learning the reasoning behind each side and learning any lessons going forward; and instead you asked for further explanation.

Here is a formal explanation. 

Thank you so very much Joel for a very detailed explanation, I really appreciate your time and for sharing your knowledge and expertise on this matter.