And on top of THAT, you're specifically trying to use FHA...Honestly, I think your LO is being more than a tad bit optimistic.

stackables are generally smaller than normal. the small ones hold up the worst to wear and tear. tenants try to over stuff them. i recommend lo end appliances for rentals so if you need to repair or replace you're not shelling out major cash

Try contacting these people.https://www.ridgelendinggroup.com/https://snmc.com/lo/aaronchapman/

I was residential loan officer/mortgage broker from 2000 to 2008 and a Realtor since 1993.  2008 and the next few years were difficult times to be in real estate finance so I jumped to bank owned sales during this time, so I have both perspectives.Both as an LO/mortgage broker and real estate agent I would regularly have banks/lenders ask for a comp-based appraisal and a rental survey on 2-4 units properties; which is Fannie Mae Form 1025/Freddie Mac Form 72. 

., you, the investor) receiving a L/O: all day long and twice on Sunday.Giving a Consumer a L/O: no-go.Search "Lease options" and "Texas" (and variations thereon) for lengthy discussions on why you don't do that.

I've never seen a compliant LO transaction come across my desk and if it's not compliant, it's a virtually risk-free transaction for the tenant / purchaser. 

I suggest you structure the L/O so that the T/B will have 5%-10% saved up toward exercising the option.2.

You may be able to jump directly into an LO position if you find the right place

Any Realtor will tell you that the value of preapproval can be toilet paper or it can be gold, it depends on the LO.

I would suggest you learn how to do Lease Options...specifically Sandwich LO.