Start there it will offer many more options and choices than the 'loan officer' at your bank branch.

Working in an assessing office and learning more and more about houses and the value attached. 

If you could bring your own work in to an appraisal office, you would be an asset to them, more than a liability.* Along the previous line - research specific lenders and find those that do "direct engagement."

From what I understand, I hear that this particular office is understaffed.  

The loan officer came back with questions that I need advice with.

It also has a large garage, an office space, and a loft room all 3 of which are on my agenda to also get rented this year to maximize cash flow.

@Nathan Grubb   like this Amazon.com: HG Power 8 Inch Kitchen Exhaust Fan, 576CFM Stainless Steel Bathroom Exhaust Fan, Wall Mounted Garage Ventilation Fan, Basement Extractor Fan with Backdraft Damper for Home Office Commercial Use : Tools & Home ImprovementIt used to be in all the 50/60s homes with a little pull chain to turn it on.

Get prequalified with a loan officer in that market that has access to MORE THAN ONE program and that will help you with what your options are. 

Call my office to setup a meeting 208-678-9990

I have even heard interviews of officials (I think from the Office of Thrift Supervision) where they say they also have never heard of it being enforced.