The terms are below.Loan amount: $277,000Loan type: 30 YR VA Home LoanCurrently have $1,500 in debt.Location: Leominster, MAProperty Type: Two-familyYear Built: 1900Credit Score: 722Savings: $20,000Insurance: $1,500Make $66,000 annuallyWith that being said, I feel like I am being screwed.

You'd  likely be even more screwed if protected class.

The second is that the area has many airbnb rentals but most are of very low quality but screw the metrics. 

Without that, you really want your very first originated loan (where you will screw a bunch of stuff up) to be a first time homebuyer buying their first home?

I think the only way you’d be screwed is when this was illegal.

But I also knew if I was one minute late with my finding to close I’d have been screwed and he’d have sold to someone else. 

Are they on there spouting off about how they are screwing over their clueless landlord? 

Banks have a vested interest in getting lowball appraisals in BRRRR situations, and if appraisers want to keep working for their main clients, those banks, they quickly learn to be well-versed in the art of giving the banks what they want, money-making lowball appraisals that screw you, the investor, and take money out of your pocket.An appraiser is going to come in with a point-and-shoot digital camera, or, in the worst case, use her/his phone.

The biggest variable I see people screw up is estimating the OE.

Are we screwed then?