We are uncertain how much that will be at least initially.

If you have a unusual high increase (taxes, insurance etc) your tenants must pay for that through a rent increase.Every business raises their prices every year to match increased costs.

I just decided to google the applicants name (it is very unusual name I might add) and had their DOB and a photo too, definitely the same person, no doubt about it.  

I do a lot of the unusual additions myself.

If you are uncertain they are doing one, then it would be a good thing to "inspect what you expect" at least every now and then.

Mildew/mold in high humidity places such as bathrooms isn't unusual. 

He's a contractor and blamed it on his unusual pay schedule.  

That block in particular, has an unusually high water table for whatever reason...

This is somewhat unusual around here, but I have at least seen it before.

It all varies by area.The lenders will depend on the appraisal to tell them if the loan goes wrong what they could dump it for and get out almost whole.Anything like a lower than normal market cap, unusual expenses with a property, and rents higher than the local market give banks and lenders great pause.A 12 cap for a decent area would put most banks at ease for DSCR and other loan projections.