Based on my projections, I knew that if we put the standard 20% down, we'd have a good chunk of equity built up right off the start, and we'd also have enough, or close to enough, rental income from the other unit to cover our mortgage.

I knew that if we put the standard 20% down, we'd have a good chunk of equity built up right off the start, and we'd also have enough, or close to enough, rental income from the other unit to cover our mortgage.

Does this imply a break down in underwriting standards?

Your city will have certain standards, and so will your neighborhood. 

. -6 months is pretty standard for seasoning for a cash out refinance.

@Javaras ThomasAgency debt (Fannie and Freddie) are considered the gold standard of financing.

The standard in Orlando is 20%.

@Rashad Ellis Yea, all the banks in MA require a w9 to open up these accounts, and I know it's pretty standard in CT, NJ, and NY (and others)

I offered to negotiate with my landlord (give him $200 and I get the rest back), but he is only willing to settle for half of the deposit, which I think is outrageous for a standard cleaning fee.Taking him to small claims court is worth it to me since I can sue for double the deposit plus damages, but I'm wavering ONLY because if I win, like @Bruce Woodruff said, I would then have to collect on the judgement.

Standard procedure is to post your state-specific notice of lease violation, and then perform a follow up inspection at the expiration of said notice, to determine if the violation is cured.