I understood banks only base valuation off cash flow on commercial ie: 4+ units. 

@Caleb Heimsoth if you actually understood what Lender To Borrower Rebate was and what a great tool it can be to make deals, not only would you want to use it to your advantage, you would not make such unhelpful comments.Why is it that the least educated on Topics, are so quick to display their lack of knowledge?    

The best thing about Upen was that he had done many VA loans before, so he understood the stringent requirements.If you have any more questions about my experience, feel free to PM me.

I understood that he no longer was living there and she no longer had access to a riding mower.

But from what I’ve read and understood.

Understood.

I have the federal taxes understood on this, but what about South Carolina tax?

The tenant understood I was sending contractors over to paint the exterior and upgrade the HVAC.My worst case - 5 months from closing to first tenant. 

You should have read and fully understood the severity of the loan.

Understood.