Check the fannie mae website to confirm property qualifications.

Same thing might happen with the vacancy if you have 2 months for lower end instead of 1 month for better area.I would use higher percentage for repairs and vacancy in lower end area when you compare CF for the 2 properties.Even in higher end area this year I had 2 evictions and one of them with 6 month vacancy and over 12k in damages, bad things can happen in both areas, the important thing is to keep cash reserves so you can get over unexpected expenses.

Compare to the tax returns for some degree of confirmation.

We also recently added an early check-in upsell that checks for reservations checking in today with no same-day check-out and proposes an early check-in).

I'm currently looking for opportunities to increase my reserves and move into bigger things.

Even with no/low money down options, I suggest having ample reserves in case you need to come to the table with cash for some reason. 

The bank confirmed it was due to insufficient funds, and Cozy confirmed it was their error in marking as “fraudulent” rather than “insufficient”.

The auction route is tough also with reserve pricing usually winning.

The loan was for 932k 791 purchase and 132k 50k construction 72k interest and tax reserve.

Here's a PARTIAL list:Office rentComputers, printers & softwareInternet & phone billOffice furnitureOffice supplies: paper, postage, ink, etc.Office liability insuranceAuto expenses: monthly payment, insurance, gas, maintenance, registration/plate feesBroker license fees: annual, monthly board & MLS fees, continuing education fees, E&O insuranceEquipment: lockboxes, signs, etc.Payroll & payroll taxesBusiness income tax preparation and paymentsLabor: answering phones, calling past due tenants, scheduling tours, taking marketing pics, processing those pics, writing ads, researching rent amounts, posting ads, explaining to owners how rent determined & showing where ad posted, opening & processing mail, posting payments, bank deposits, scanning documents & posting to owner & tenant portals, explaining accounting to owners so they understand their monthly statements, taking pics/videos of repairs, finding reputable handymen and contractors, confirming they're properly licensed & insured and tracking annually, verifying repairs done properly, processing invoices for utility bills, repairs, taxes, city inspections, scheduling periodic property evaluations/inspections with tenants that don't want strangers in their homes, explaining to owners why taking so long, and more & more & more...