So, I don't really encounter the problems you list.

What tricky negotiations have you encountered and how did you handle them?

Timeline:Property 1 Purchased Jun 2016: Purchased for 5% down @ 255k, refinanced about a year later at @ 325k with some minor renovations completed, and got a HELOC Oct 2017 for 20k and had 20% equity in the property vs 5% when I had purchased Property 2: - Purchased in February 2018 for 192k and had it reappraised in March/April for $222,500 - This was super low based on comps and I asked for a review based on the brokers opinion of value as well and he said he could not review it- After this the lender informed me that he could not even do the refinance with the appraisal because my DTI was off- He recommended waiting a year or so until the rents from the new property show up on my tax return and to pay off some debt for the ratios to start working in my favorMy realtor provided me some provide private lending info who were able to offer NO refinance on property #2 but they could do a mortgage on a new property we were looking at for 20% down, & 10% interest.I did not have 20% ready to go as I was banking on the refinance for at least a portion of the funds and had to turn down the offer.Curious if anyone else has encountered these roadblocks and If I need to wait or if there is something I can do. 

Every encounter with their office in the last 3 years has lead to closed doors.

That is exactly how I started.1 I quit my job1.1 Got the Clever Investor Package)2 Started my company3 Cried for days4 Decided to stop crying5 Cried a little more6 Decided wholesaling is the way to go.7 Created a website!!!

Calling all the banks and mortgage companies I can in order to find one that actually will put together a lending package that meets these criteria.

I have the same question as the No. 1.I think what I encountered is really a drama.

I would look at the other screening aspects and evaluate the entire package. 

After encountering close calls with poop 2 times, we decided to say no more on this DIY.

The idea would be to subscribe, send photos and questions, and get a digital custom package back with videos, links, examples, and advice for your interior design/ rehab / flip questions.