I put 20% (54,000) and then an additional 7% of the loan amount ($15,000) since the bank only offered 93% loan of the purchase price. 

I went through everything until manually signing 300 letters and sending then off to only receive one single call back from a curious guy looking for a make me move offer. 

Please DM me if you have any additional questions. 

Additionally, the city is actively encouraging redevelopment and attracting businesses back to the area.

I would love to get a property in the NW DC that is run down, add additional floors and then make it an apartment building.

you can point to your policy (that you provided to them 2-5 different times) and the timestamp on the applications received showing they weren't first in line. 

I'd ask for vet documentation for proof pet has received all state required vaccines.

If the addition is not permitted, I would run away. 

However, consider whether deferring recapture is worth it if you plan to hold the new property long-term and take additional depreciation.

Additionally, small loans like you're describing are not looked kindly upon by lenders because they're doing the same amount of work as they would on a $500k loan but for a fraction of the yield.