I signed up as a referral agent only, I cannot buy or sell property (doesn't matter if you are representing only representing yourself or not).

. :-/ I'm waiting for word back from underwriter now as to whether or not this is a real requirement, but of course I'm not allowed to talk directly to anyone that matters or has answers because Chase. 

Since you plan to keep it the ARV doesn't matter in this calculation.

I was still confused when I went online to check my history, but in the end, it did go through and Titan's staff was helpful so I'm not blaming Titan for any wrongdoing.So, overall, I like the bank and all of the people I've interacted with so far (except for the one guy who gives the same blanket response of "speak to your attorney or accountant" no matter what I ask...

Doesn’t really matter what happens.    

Then again, as an STR I'm not sure that matters as much because you're not selling the home, you're renting to vacationers so that shouldn't be as affected. 

The confusing and seemingly contradictory IRS guidance on this matter does not help. 

(I have read that CA likes to have their cake and eat it too by claiming any part of the chain of money/business no matter how small).2.

We appreciate your understanding in this matter."

If my goal is turnkey/buy and hold properties, should CoC really matter?