I'm not sure what "1031 Exchange" considerations you are referring to, but I'll guess that it is a holding period issue in order to be able to demonstrate that the individual has/had the intent to hold for rental or investment purposes. 

If the discussion goes well you have an opportunity to demonstrate how reasonable you are by reducing or waiving the fee. 

I’ve never used the type of calculation you demonstrated in the chart above so thank you for the insight. 

@Tamarra M Richardson Business funding usually is going to be granted based on two years taxes demonstrated profits.

The biggest part of me feeling comfortable with folks I want to one day do work with is them demonstrating good communication skills.

People will see this and respect you more for it, subsequently they will loan you the money on the next deal because you demonstrated enough character that you were willing to grind it out.  

However, if you are only looking to get your costs out you can do delayed financing, that will be based on your purchase price and some lenders allow you to demonstrate renovation costs.

During the safety demonstration at the beginning of a commercial airline light, the flight attendents tell you to secure your oxygen mask first and then assist others.

Because by applying for another owner-occupant loan within 12 months, you're clearly demonstrating that there's a serious risk you won't stay in this second home for 12 months.

This isn't a wall socket or garbage disposal you're installing, a TV is a very personal piece of equipment and the tenant's property, not yours.I would prefer they hire a TV guy to hang their flat panel or at least demonstrate enough DIY knowledge and experience to do it themselves.