To get the underwriting based on solely a new appraisal, you'll need a ton of evidence - enough to convince an underwriter or risk officer who gets to make the call purely on internal company policy and not tied to conventional or govt published guidelines.All this being said, if you're already at a 1.0x with the current appraisal for the loan amount you want, going to 1.1x or 1.25x would only be marginally beneficial unless your lender wants 1.25x for some reason. 1.0x is generally enough to fund for most investors at or below 70-75% LTV.

He said if operational, they will find evidence of soot inside the detector.

One of my concerns here would be even if she had the decree would she have evidence that it is paid.  

(e) While a person may examine and consider a criminal background check, credit history, or rental history in reviewing an application for rental housing, the person shall review and consider additional history in reviewing an application for rental housing, the person shall review and consider additional information provided by the rental applicant, including, but not limited to, personal references, recency and status of any evictions, and any actions taken by the rental applicant to resolve past evictions, credit challenges, or alleged damages, the recency and severity of any convictions, the violent or sexual nature of any prior convictions, the facts or circumstances surrounding criminal conduct, the age of the applicant at the time of the conduct, the age or vulnerability of the victim of the conduct, evidence that the applicant has maintained a good tenant history in the intervening time, and evidence of rehabilitation efforts, consistent with state and federal law, including, but not limited to, fair housing laws.

Zillow also never responded when I asked them to send me the evidence or information they had that has lead them to thinking this is a fraud.Has anyone else heard of something like this happening through Zillow? 

There are times that a typo may not reflect the parties' "meeting of the minds", but there would have to be extrinsic evidence to prove what the actual agreement was.

Most states do not require you to provide receipts.However, if you think the tenant will push back on the charges, show the evidence and stop the argument before it begins.

Always document the evidence to support your claim. 

Evidence may include:two months consecutive bank statements or electronic transfers of rental payments for existing lease agreements, orcopies of the security deposit and first month's rent check with proof of deposit for newly executed agreements.See Treatment of the Income (or Loss) below for further instructions.

Where’s the evidence?