2) I have on single family home (rents for $2100/month) that needs a PM. 

I was preapproved with that amount before, but it was for a single family, primary residence about six months ago.

For example do you have a great w2 and can you afford to cover costs of a major repair or 3 months of vacancy?

We are talking about taxes on 15K.On another note, I had the exact same issues 3 months back but that time, since the LO had not mentioned it, I did not push for it.

We finally close with title insurance.14. seller is holed up  its a massive hoarder situation as bad as I have ever seen.15. another 6 months to get eviction.so about 30 months later we finally take possession and bull doze house and built three new homes.  250k in out for 30 months  another 30k in legal fees..

Monthly payments are fixed.  

This way you still have 50k in your account and you have $200 coming in every month for 10 years, then 1600/mo for the following 20 years.OR you can lend me the money for 7 to 10 years at 9% and I can do the same as above!!

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I would, If in this position, take the equity in the form of a HELOC and purchase a cash flowing asset that would not only pay for itself but pay for the cost of the money while putting cash into my bank account each month. 

Why is it taking 3 months?!