The main reason we go 50% LTV rather than 60% is at 50% the bank does not require personal guarantees  

Some require complete disclosure but some do not.

I'm in the position to apply(depending on lender DTI requirement) for conventional financing through the builder at <6% interest rate in this current market.

If it’s a safety issue, I’ll of course make sure the premises are as safe as they were before any required maintenance was done, but she is now suggesting that if I don’t reimburse her for those specific anchors, I am violating fair housing laws for familial status and/or tenants rights regarding not incurring costs for required repairs.

Create a simple spreadsheet or written list to compare the features of each and identify the ones that align with your requirements.

definitely . id check with the local municipality as well for further info on the requirements  

I can do 80% no reserves required if that works for you! 

Your lease agreement or pet rules should require immediately clean up of any excrement.

I had to replace a $9,000 furnace, a water heater, and a couple of appliances, and I am about to spend another $10,000 on excavation for my storage facility.

As far as I'm aware, most loan products that underwrite off of a W2 income require 2 years of work history.