Frame it that way and you may be able to get them reduce it..... 

Bottom line-they saw I was an investor and back pedaled reducing the appraised value of my property and then reducing their offered loan to 60%.

I take care of all the potential problems as soon as I purchase to reduce unexpected maintenance expense in the future.  

Thus, making it less attractive since the equity interest in the property is reduced. 

The following was found in a google search:When septic systems are properly designed, constructed, and maintained, they effectively reduce or eliminate most human health or environmental threats posed by pollutants in household wastewater.

That doesn't make it a bad deal but it will reduce your rate of return.

This has greatly reduced my workload and I don’t think I am missing anyone since the #1 question they ask is if the rental is still available since there are so many stale listings out there.

I worked with others in the area who I was not happy with.The consideration of this came largely out of a mutual effort between me and my manager to see how we can reduce turnover and costs.

I only have limited experience with them, but so far so good.Are there an investors out there that could purchase your credits before they expire to reduce your burden???

Not all banks will do this some banks will have overlays (extra guidelines) that they add on top to reduce the banks risk of lending to newer borrowers who may not yet be sophisticated enough to handle a mortgage.I've utilized this for conventional/FHA/VA so its nothing new.