Also now clear that the lender is not doing their proper due diligence or even reading what we are giving them.  

The algorithm is properly ignoring your listing now.

When you say "is it proper etiquette to ask the seller's agent to share this info with us..." what info are you asking for specifically?

@Joe S.Agree lifestyle creep is very real!  

If the kitchen was not cleaned properly, it certainly should have been. 

For it to work properly (ie heat the unit), it needs to be kept on in the winter even if she turns it down when she's away or in the evening. 

As for properly collateralized performing notes in Vegas I think those are quite safe.

:Class A Properties:Cashflow vs Appreciation: Typically, 3-5 years for positive cashflow, but you get highest relative rent & value appreciation.Vacancy Est: Historically 10%, 5% the more recent norm.Tenant Pool: Majority will have FICO scores of 680+ (roughly 5% probability of default), zero evictions in last 7 years.Class B Properties:Cashflow vs Appreciation: Typically, decent amount of relative rent & value appreciation.Vacancy Est: Historically 10%, 5% should be applied only if proper research done to support.Tenant Pool: Majority will have FICO scores of 620-680 (around 10% probability of default), some blemishes, but should have no evictions in last 5 yearsClass C Properties:Cashflow vs Appreciation: Typically, high cashflow and at the lower end of relative rent & value appreciation.

I want to know if one of my rentals has a massive even that I'm covered, that's worth the going rate on the proper insurance to me.Best of luck!

Your tenants who faced with an already tight household budget may decide to rig the issue instead of fixing it properly.