If you sent it via other means (typically a third party) there's validation that it was received.  

Verify your facts; banks won’t typically sell properties during a redemption period.  

Rather that give the typical "it depends, what are your goals," I will try to provide some insight.

As an example; even if actual vacancy rate can be proven to be zero for the last 5 years, the bank is still going to assume a vacancy rate more typical of the area.

. - the typical good-looking family home).

Isn't a pay or quit typically 3 days?

The best analogy I can think of is asking someone to put together a great baseball team and defining the terms average, home runs, and RBI but without any context of what typical numbers are.

But typically buy townhomes...so the only people the tenants could complain to would be their own family members living with them. 

Less hassle in the long run and you never have to worry about a tenant letting it run out and freezing your building.If you do end up keeping a separate furnace for each unit just be aware that propane tanks are typically supplied by the fuel provider.

Interesting - the market in Huntsville right now has not slowed down at all;  in fact, I would argue it is even crazier than it was 3 months ago, and is now virtually impossible to find a property to cash flow unless you go to C/D neighborhoods or go in areas that typically have zero appreciation (outside of Huntsville and Madison city limits).