And you have a lesson to draw from later!

I suggest putting all the names of approved applicants in a hat and drawing to see who gets it.

Now, I'm going back to the drawing board and rethinking my strategy.

Allowing me to potentially set up a HELOC on the house so i can draw from it for down payments on my next house? 

If we would all put in the extra effort there would be better data bases the credit agencies would be drawing from and we would have a better idea of who the tenant we are renting to really is. 

You'll find that a lot of Midwesterners just use their garage for storage of seasonal stuff, so it's not necessarily a huge draw or deterrent to have one vs not. :)The only time it might be an issue is if yours is the ONLY property without a garage.

I was referring to how the bank classifies the building structure, not loan draws.  

In fact that is one of the main draws to wholesaling.

@Alex Yi to be honest, there is none more accurate than the other, almost all of them draw the data from the same source, its bound to give you 50% accuracy most of the time, are those the accuracy stats you are currently working with?

Are your return vents (where the air draws in) of the correct size?