Based off the information you provided, it sounds like there's no issue from your end.In the future, you may want to include something in the lease agreement that outlines objects that may be stored on premise.

You are dealing with 2 immovable objects in HUD and Chase and you would be better off with a mortgage broker that would have options. 

Start with your primary, rent out any spare bedrooms "house hack"Use that to practice upgrades, kitchen, bathroom, curb appeal... etcNow you have experience as a landlord and flipper, use that to buy a distressed propertyAdd 40% equity to the property through home makeover, refinance into a low cost mortgageNow you are cashflowing a healthy margin on a second property, use that to build equity over time, cashout later and buy your duplex/quad.If it's going to take you 10 years to save up a down payment for a small apartment building, yeah it makes more sense to start growing your portfolio with cheap SFR flips instead.Every market is different, every borrower is different, every property is different, it would be ill-advised to recommend anything without recognizing the individual's nuanced goals and objectives with their next acquisition.

That doesn't mean they are true, factual or objective. 

Never pay for work that hasn’t been done.3.Verify Work Regularly: Have an objective third party inspect the quality of the work weekly and provide updates.

I would only use wood slats for twin beds.

I passed this additional charge onto our borrowers without any objections, making the total doc fee $1000.There are other companies that provide automated loan docs.

I understand that everyone has unique goals, and responses will vary depending on those objectives.

Financial objective- 100% to 400% cash on cash or don't do it.

You will rush, pay people who you think can help you, you will try creative finance and sub to and fail, you will be too eager to grab shiny objects.