Most states will award 3x the deposit in damages if you are sued so you better be in legal compliance. 

I have done 20-30 projects and won awards over the years but still.....I need to subsidize!

Are they seeing the deal as worth less than you do- due to bankers uber conservatism about the prices of real estate falling in the near future?

I will be adjusting my prices as we just got awarded "Guest Favorite" plus AirBnb Top 10% listing.  

This may all sound confusing but it’s easy when you talk to a seasoned Banker/Loan officer.

I just watched "A Man in Full" and the image of the bankers laughing at the mogul because they now own his knee...that's going to stay with me a while.

Some lenders are going to have overlays or not understand how to actually calculate rental income properly (full disclosure - I've closed loans that were turned down because of a banker or loan broker not understanding how to calculate income).  

Franchises like Coldwell Banker and RE/MAX have very expensive fees and then each individual office has their own fee structure.

As Stated, I would consult your banker/lender to determine how that can affect financing.

I recently asked my banker for a 100k loc and he seems very reluctant to do this for me.