Sounds like you've got a solid grasp on the numbers.

The only time we ask for tax returns is in cases where the applicant does not have paystubs and we are trying to get a grasp on their income. 

From there, you'll be able to submit appeals for each of the reasons listed that you disagree with, to your mortgage broker.All of these things should be done first, prior to attempting to have a second appraisal done, as that's more like grasping at straws.

There are also caveats around W2 income - If you are a first time buyer, FHA loans could still be within in your grasp if you furnish additional documentation like 2 years of tax returns and 1099s.WholesalingWholesaling is the method of 'purchasing' a property by having both you (the buyer) and the seller sign an purchase agreement for a property.

I also recommend choosing a realtor/broker who works in the investment/income market who will have a better grasp on valuation.I'm sorry you didn't get the result you expected yet impressed that it is cash flowing well. 

I'm planning to differentiate between the three using the locations feature on QB.I think I got a good grasp of how to manage our businesses, but the rentals are giving me a harder time. 

Avg annual rent increases are between 3-4%.This is much better grasped on a spreadsheet when looking at total return (cash flow, appreciation, tax savings, principal paydown) over time. 

I feel like I must be missing something--maybe I don't have a full grasp on the rehab budget situation, or something that's not occurring to me.

In short, what do I do now that I have the property almost in my grasp?

During this pandemic and social distancing, my hope is to truly grasp REI as much as possible to start the process of purchasing my first property at the end of this year/early 2021!