In this tenant's favor: they own their own house (but rent it out), they have a job, clean car, clean background, they love the location, decently dressed, polite, they got the house in a divorce, and want a place quick because they decided not to live with who they were dating so soon.

Heard it's not landlord friendly and favors the tenant, even if they don't pay their rent? 

They tend to ignore critical factors in favor of initial cash flow numbers on paper.

Negotiate a favorable Equity stake in the Development profits 8-10+% Equity on project :Exit Will be in Profits from 100+ Residential Townhomes/SFR New constructions which will gross around 70-100k per unit  however, try and negotiate stake in forever mailbox money of commercial aspect of projects  After Construction Value 60-70mil+ PP $6-$7mil Would love to talke more about your hypothetical problem of deployment

Can I get more favorable interest rate if I refinance through a credit union with less stringent rules and regulations?

WS clearly pissed off, claims they have a huge list (which they probably do) and will sell it no time and was doing F a favor and allowing him the opportunity.

All said, I think the odds are in your favor. 

This will make it far more likely for the appraisal to go in your favor.

In my experience, local banks will typically have more favorable terms BUT it is worth it so give a call / send an email to 10-15 lenders in your area (have a mix of both institutional banks and local credit unions) and ask them what kind of terms you can get given your goal.

If anything the greater concerns are increasing wage & class gaps, the artificial creation of dollars by the US, shifting policies that artificially create favorable market conditions, and things that if I think about it too long make my IQ of at least 1 start to hurt my head.