I've got a 5 month old and just started training for a half-marathon soI'm somewhat sleep-deprived and my brain isn't firing on all cylinders this morning.

It may not make sense for you, but people are definitely sleeping on Reno.

In fact, AirDNA is so accurate that many lenders will now accept a AirDNA estimate (for non-declining markets) as evidence of sufficient qualifying income on many DSCR (Debt Service Coverage Ratio) loans and mortgages.

If you use the $14,000, will that leave you without sufficient reserves if the AirBnb thing doesn't pan out?

However, those reserves are often most needed in the first year and not having sufficient reserves can put a deal in a bad position and that's where additional risk is created. 

Some inspectors may eyeball the work performed and feel it is sufficient to sign off and yet others will ask you to open up the walls to ensure everything was done to code.

Additionally, I am in the process of closing on a commercial property, which requires a $300K down payment by October 15.If I settle the tax bill, I won’t have sufficient funds for the property down payment.

The lender assesses whether the rental income is sufficient to cover the loan payments.

But most folks in the 25-45 year old age group won't even be sufficient in 1 of them to retire at 67, let alone 62. 

One of the key features of the FHA loan was the Self-Sufficiency Test, which helped keep prices in check.