So ok Mr/Mrs clueless pizz-poor tenant full of attitude and hot-air, I call your bluff, come at me bro, COME AT ME BRO, I dare ya, lol. 

@Jeff Daring in the standard contracts we use, specific lender is stated in the contract, so a denial from that lender would likely be all you need to exit with your deposit back unless you did something to sabotage the loan.

If they are not, then it might be time to switch companies, or even, dare I say, self-reflect as your team might actually be to blame.

Quote from @Jeff Daring: I was told by one broker today that I wouldn’t qualify for over a certain amount on a property because first time buyers with no landlord experience cannot use the rental income from the properties towards their qualification.

Often the most fulfilling achievements in our lives happen because we dared to dream!

I dare getting into the relationship business- Real estate.

Now you dare?

Quote from @Jeff Daring: I have been trying to find properties in the Rochester, NY area off and on for the last 2-3 years.  

A and B and above median price, C and D are below median.

ALL that shows me is that those people SUCK at what they do to have to bug people 9 times before they give in. 3) All your 4 input streams are ... dare I say it...