Not unusual, but adds to the suspicion.There are more, but what's really sticking in my craw your statement about the owner deciding who they'd like their tenant to be.

I was using 10% as an average since current increases are unusually high but it seemed like a safe average. 

Challenge was getting people to want to invest in an uncertain market.

For example, they had the wrong year for one of the houses, listing it as built 10 years newer (1962 vs 1952)2nd, the appraiser has a limited percentage amount they can reduce or change a property's value, and he/she can only manipulate certain variables and cannot take into account other unusual or undesirable circumstances (ie - you showing them that the neighborhood has many registered sex offenders living there (the appraiser's words exactly). ) The appraisers need evidence; show them any costs, expenditures, etc., numerical or photographic evidence in your favor to bolster your protestation.

I'm uncertain whether this could also be a decisive factor for lenders.

Hello all,I would appreciate some feedback on this unusual situation concerning my tenant of 3 years.

Grab a brick to hold next to them if you are uncertain. 

That isn’t great, but they do have a 20 year draw and LTV of 95%, which is unusual in HELOCs I have considered.

Do high level numbers (ARV vs cost, rent to cost ratio, expenses unusually high or low) make sense?

So I have a very unusual small business wherein I take out my pianobike (a piano and trike fusion) and busk downtown in Salt Lake City.