If you want flexibility and open-mindedness from your banker... it's really up to you as the operator to vet the bank for these characteristics.

I view investing for appreciation (with negative monthly cash flow) as gambling.

Its a gamble in my opinion.

I'm out of state so it was kind of a gamble for me to hire them, but they've been great. 

What are its characteristics?  

paying recapture is the most NON talked about event on BP or in real estate.. and why when folks talk about buying for only cash flow and appreciation IE speculation or gambling those folks totally miss the point and do not have a full picture of the Lifecyle of a real estate investment.. if you have NO appreciation your recapture tax is going to eat into your IRR in a negative manner.and for a lot of folks to 1031 one little house with 20k coming out of it is hard to do.. since the house never went up.. the other thing is people that say they are buy and hold forever.. this rarely happens.. life happens life changes.. and so 7 to 10 years down the track MOST folks unless they have decided to make it their lifes work IE be a full time professional landlord.. they sell .and then that pesky recapture they never knew about or thought about bites them .. :) 

But it syncs with all of my credit cards and all of my bank accounts and Auto categorizes my expense and income items.During setup It pulled my property tax information automatically along with all my property characteristics, square feet the number of bd/ba all automatically.

@Eudes De leon I looked their google briefly....it seems 3 resin and 1 comm’l is fine, but....there is a little more to it,  not laid out in straight black and white.It has to be in a predominantly residential use area, the commercial component doesn’t “over power” the residential use/characteristics, etc...as @Chris Mason says, the actual determination is made by the fha appraiser.

There are those who would say that investing for appreciation is either speculating or gambling, not investing.

A blue chip dividend growth stock say Proctor and Gamble will have a lower PE ratio, say 15, that might be the equivalent of slow steady appreciation, but no real price appreciation.