I refinanced the other home and this never came up then.... is the underwriter being unreasonable?

Not always in that it will be less overall cost, though often savings will be found, but also with peace of mind that everything is done correctly.Exactly what Greg noted for QBI - while these rules were plainly in place for 2018 (for all my syndicates this was all disclosed in a split out manner for both years), the IRS came out with an exact format they want everyone to follow for 2019 forward.The price range you quote is certainly not unreasonable, often to provide an accurate quote a CPA would like to see a copy of your prior year returns - it is not uncommon that there are technical issues you are not aware of that need to be considered.

I have decided I will go with this listings and then try to negotiate the prices with the agents if the ROI is unreasonable. 

As a new investor who has never purchased a property, you have to get over the biggest hurdle of them call—FEAR.

The property taxes and lack of affordable housing are two major hurdles.

When I use the line of credit I specify how the process works and that it works like cash and has way fewer hurdles, but is not my own cash for this deal.

@Latisha Major, one of the hurdles that you will encounter with this model is that the landlord might not like you running an AirBnB business out of your rental.

If you pass these hurdles you'll want to look at several years of financials not just one.

In the end, I don't think its unreasonable at all if you are not comfortable.  

I do not know but a court might find giving the landlord the SS# of guests is unreasonable.