Is there other market wide metrics that apply here? 

There is an old saying that might apply here.

I would imagine most misrepresent their sources and uses when they apply for their financing.

Same applies as far as materials overhead and profit .

•If you can, raise rents or find ways to increase the property’s income before applying again.Have you already tried talking to multiple banks, or is this feedback from just one?

.- Generally the same logic applies as above.  

He is heart broke because she wants to apply for a Visa to the US to get work and maybe move there. 

I know there’s a limit of 4 unless you get a kennel license, so I’m also searching to find a place in which I can apply to obtain one.

There is no chance home owner can mediate, apply for loan modification (which is a predatory disaster in itself) , reinstate or retain the home two days before auction, when they have zero funds and ability to do it.

I'm not sure if these rules apply to Phoenicia, as the STR rules are stated to be for the town of Shandaken, not Shandaken hamlet.Not sure if you are able to answer this question!