FHA loans tend to air on the side of caution when it comes to down payments and they will investigate where the money came from, and the money cannot be tied up into a loan that you will have to pay back or you will be denied for the loan.

Unless you are going to file some kind of discrimination suit against the bank based on what you feel is arbitrary denial, banks do not have to grant everyone a loan just because they qualify - they just can't deny you a loan based on one of the protected classes (religion, race, etc).

I signed up online for water service, but was denied because apparently I need a master meter, which requires almost as much documentation as purchasing the property itself!

Many people like to deny it but I feel that unfortunately it is the truth.

Ideally, I'd like to be able to change the rules moving forward right now since we have a vacant unit that we are renovating, but I don't want to remove an otherwise good and paying tenant to do so before they are ready to leave.I had wondered about what @Johann Jells had mentioned, but I wasn't able to find anything in our Landlord/Tenant laws to either confirm or deny it.  

I just tried to get financing on a commercial property with a 3:1 DSCR and was denied because my global DTI was greater than the bank's requirements.

What will happen is the adjudicator will order the tenants to pay rent and deny the eviction if one or both of the tenants wish to stay.

If run more than one application to find a qualified tenant, you must send a response, usually a letter is proper notification that the applicants that did not qualify simply did not qualify and therefore their application is denied. 

Borrower makes request to lienholder to consider short sale...lienholder provides borrower instructions on what to do for the lienholder to consider shortsale request...borrower (Seller) does what lienholder tells them to do and when they have all of their stuff (Purchase agreement, MLS listing, bank statements, tax returns, and/or whatever else the lienholder needs/wants) they give it to the lienholder to review and either approve, counter or deny the shortsale request.Your purchase agreement should include as much protection as possible for you in case the deal doesn't close.

Therefore, unnecessary requests will be denied.