I don't agree, but rather than drag this whole thing into a semantics match, they should have said continue to give the lender information and there is no change in your circumstances and rates don't go too high and blow your debt ratio out and if some smart Realtor doesn't talk you into buying a house that's 30K outside your range you'll be fine.Keep your documents up to date with VU. 

Obviously, as your progress through life, you need to increase your reserve to match additional living expenses. 

Private flood generally requires you to match the Home Owners Coverage A  dwelling amount with the flood amount. 

Ask the surveyor Why the survey does not match the plat.

So instead of 'development and multi-family', start with 'networking, service, reading spreadsheets/analyzing, connecting with people, managing projects, etc....' basically write out whatever you really enjoy doing OR whatever skill you want to acquire... and find a job in RE that matches. because RE is so diverse and people oriented, you're bound to find something that suits you. 

Seems as though house prices are high but rent doesn't match that.

I spent 35 years contributing to a matched 401K plan and have no regrets.

If I added additional CapEx or Vacancy, it ends up being too conservative and doesn't match up with reality.

I have came across some new online platforms that will match you with people looking to rent out storage space (sort of like Airbnb but for storage).  

Other than submetering, I'd recommend you ask to see the leases and whether each person has a security deposit that matches their present rent.