NOI is what is left after you pay all your expenses minus the financing cost , so even if they classify it as CAPEX or maintenance it should still come off before NOI is computed .for tax purposes they may handle each different , but that is more due to accounting 

With all the cheap forms of advertising and free online classifieds, you should never run out of buyers that want to buy your deals.

For example, @David Faulkner what would you classify as "sufficient equity"? 

I'm not a CPA, but you can most certainly stay at you're VR and keep it classified as an investment rather than a second home.  

Essentially they are trying to get out in front of what they classify "problem" or riskier loans before they have a chance to become a problem or a worse problem.

The way areas are classified are entirely subjective, so I have to ask how you would define a B+ area?  

The city, which has one of the highest numbers of homes classified as secondary or vacation homes, boasts plenty of outdoor amenities such as lakes and mountain trails.https://www.rgj.com/story/news...So, quit a few STR's do exist, some folks in Big Bear Lake are apparently posting signs that say "Neighborhoods Need Neighbors" because, and I'm paraphrasing here, they no longer have neighbors, only STR's.

Make sure you aren't classifying wear and tear items as damage.

The money you gave to the entity is classified as a capital contribution. 

The critical item is setting up the chart of accounts in conjunction with your accountant so that everything gets classified correctly.