Personally your background and credit seem perfect from what you say so I can't imagine you getting denied if this really is a good deal. 

Banks can, and will, deny you loans despite having high gross income amounts if your taxable income ends up being low or close to zero.

Mortgage underwriter obligated when a loan is being suspended and denied must send a suspended or denial letter with reason, whether its credit, employment, debt to income ration, collateral evaluation, etc.

It is conveniently located one block from a bus-stop to NYC(45min to Port Authority by Bus, 1hr by Train, and 25 min by Car[no traffic]), as well as a mile away from Kearny Train Station and 1.5 miles from Lyndhurst Train Station.

Our criteria says if they have a disallowed pet, or if they said they had a disallowed pet and are giving it away, they are denied.

close to a Bus Stop?

In short, the board has denied my payment plan proposal and wants the full amount up front or I risk them starting foreclosure (sigh) because they don't believe I'm legit.In the meantime, I requested a title search on the condo and it comes back with the most bizarre thing. 

another good CA source that has come on the scene is Coventus out of SF   for the very well qualified borrowers.. and there simply is no denying that scammers work BP  its just a generic statement.. but if you like passive aggressive I can accept that.. as long as it saves some newbie from sending 500.00 to Jamaica  

@Denis R.

But, I ended up denying his application for quite a few reasons (too much to list here).