The banks you are speaking with either do not originate conventional loans or the LO simply does not know how to originate them.  

They have simply labeled a particular mortgage loan as a "doctor loan."

Some may say… this is too much work… or too difficult to do…  Well, if you don’t like this type of work or industry… simply don’t do it. 

For anyone following: It cost me $5 to file the updated statement of info and I simply drafted an amendment to the existing internal operating agreement to clarify our intent to operate as a married SMLLC. 

It's easy to simply say "no" to folks who don't offer this.

If not you can close and simply pull out a 2nd or opt to take out a personal loan and consolidate on the ARV at the 6th month mark.  

The P&L isn't going to tell you that, you need to see the Balance Sheet.Put it simply, if an investor decided to hire someone like me to start handling their books and have to gather their financial statements, I would be charging an arm and leg to put it correctly.

I believe the best solution is for her to simply use the existing heater properly by keeping it on 24/7, as intended. ( which we already told her last year she has to keep her heat 24/7, and she say no way)Additionally, she habitually pays rent late.

The easiest way that I have found over the years is to simply ask other investors, specifically in your local market.

You might see some stains or loose paint on a bedroom wall if that is the case.It looks like there is a spot fix needed in the pic with the 2 holes in the wall.