It’s worth continuing to shop around or even speaking with a mortgage broker who can connect you with a lender who might be more flexible with these terms.Also, keep in mind that every lender has different guidelines, so it may take a bit of persistence to find one that aligns with your needs.

Cleveland has been one of if not the #1 overall rental market in America for the last 10 years, If Indy was great, we would have " set up shop there" .  

I represent Landlord in shopping center with multiple tenants. 

I know I could drive all over the place and price shop and save money, buy my free time is worth more than the savings- most of the time. 

If I were in your shoes I would just shop it around.

Sometimes this stems from using brokers who have to go shop for loans and do not fully qualify a project prior to issuing a term sheet or a borrower not being fully truthful about themselves or project.

If I got that notice as a tenant, I'd be shopping around.   

If you are constantly loan shopping you will pretty much end up at square one.

The realtor I saw in a local coffee shop new me as we had worked together previoulsy.

These are the important pointers to keep in mind when shopping for tax planning:Tax planning is NOT part of tax preparation.