It was a fight for sure, but we were able to use the STR income because we had good history of it on Schedule E.

I am here acting like a child fighting about all this petty stuff. 

You're in an anti-landlord city, one which provides tenants free resources to fight evictions.

They were expensive, did not cover everything and had high deductibles and always had to fight with them.

Catch all the red flags prior to submission cause once you submit a file that has uncaught red flags, that's when your process slows and lender's get nit-picky.From a lender, I want you to work fast, if I am hustling on my end to make it easy for their processor and underwriter then I expect fast work with an open line of communication and I want my rep at the lender to be able to fight for me or my clients should an obstacle arise - which they usually do.

I say things in hopes that my FRIENDS will jump in and fight for me because my "little" emotions can't take on this person by myself!

Why is Denver fighting the rent-by-room thing?

Also file a complaint with the CFPB Submit a complaint | Consumer Financial Protection Bureau (consumerfinance.gov)Regarding do you have any legal action - you can prove you do not owe it but you will not get any compensation - courts have ruled long ago the only recourse you have is actual money you lost - there is no "pain and suffering" if a statement is incorrect and you have to fight with them on it.

There is a team of individual and corporate investors who have hired a firm to fight these efforts. 

@Abigail Irvine so you don't show enough income to qualify for an owner-occupied mortgage, so that leaves DSR loans on rentals as your only option.At the minimum 20% down required on DSR loans, your $20k barely gets you to a $100k purchase.