I hope this thread will be of some help to someone else.

But everything else is just stuff you agreed to.

We know we could apply for a zoning change, but that process could/would take months and we are beyond ready to move onto our next investment.Has anyone else come across problems like this, where the lender is going down a rabbit hole and denying funds because of something that could possibly happen in the future?

Am I missing anything else?

Remember, no one else was foreclosed on due to a lack of equity, it's always due to a lack of liquidity. 

As mentioned you can use someone else.

Hey Jim,I think it is great you're thinking of how to give someone else an opportunity.

I listen to bigger pockets podcast about 5 hours a day, what else can I do to prepare myself and even make some more money right now?

Here is what else I can include in my PDF file of your tax return:Schedule E worksheet - between 3 and 7 pagesdepreciation schedule(s) - between 1 and 6 pages (by the way, this should always be included!)

The biggest thing we started doing after our first 2-3 flips is focusing on the higher-roi aspects such as kitchens and baths, and then doing "just enough" for everything else.