Of course, if there's any other reason to reject the application, there you go. 

The 5 years installment plan for 2017 tax is just a worst case if I got reject from both line of credit. 

I called around all kinds of insurance companies, stand alone umbrella policy, they all rejected me using the same reason.

I'd suggest finding a brand new, completely inexperienced, wet behind the ears agent, that could use the practice anyways, hasn't been hardened by a lot of rejection yet, and has nothing better to do. 

What other option do I have for down payment that the bank will not reject? 

It would also help with learning investment language, learning strategies, when to stay or walk away, consider or reject.

Additionally, should I even bother submitting an offer on a property without proof of funds being submitted at the same time, or will the seller likely reject the offer without seeing the cash on hand up front?

Most likely you offering that price will he rejected.

It's been 2 weeks and the kind of applications we are getting are far from ideal...bad credit scores, delinquencies, hard to figure out how much do they make (meaning self employed in some cases) are some of the issues that made me reject 4 applications so far.My property manager (who helped me buy the house) has posted the ad on all relevant websites, we have priced it at the lower end of the range at which similar homes are listed in the area, but still not happy with the applications.I would be interested to hear what folks, knowledgeable about the Austin market, think...is there more that we can do?

., no complete rehab), thought mls was the best route. interesting. 1 out of every 95-100 offers...interesting stat. 2 rejected offers on the same property, so a long way to go haha. it's very tiring to look at so many properties only to find maybe 1 that falls in your criteria and then only to get rejected. the waterfall of looking at properties to getting an offer accepted is demotivating when i take a step back and look at that conversion rate (i'm a digital marketer full time so i look at it from that perspective). thanks for the responses!