You can put a copy of that letter in with your offers and get the seller a comfort factor that you can close the deal.Another thing you might want to do is to locate your office somewhere that is convenient for you and have minimal distractions.  

That is a sales pitch which you are not suppose to do here.  

The whole point of attending a local REIA meeting was to avoid the sales pitches about courses/materials that over promise and make real estate seem very easy money making deals!

Another thing to consider is the location that is convenient and has minimal distractions.  

We build high quality apartments with strong preventative maintenance programs that generate returns with minimal input after initial repairs.Keep in touch and good luck!

This would eliminate your housing expense or minimize it(I believe Phoenix is a relatively HCOL market).

I also don't think it's wise to buy a MF in Multnomah county due to tenant laws & minimal cash flow.

., change in loan amount, LTV, DTI, etc), but I would expect the change to be more minimal than a 1% increase in rate...I do not understand the change from 15% down to 25% down either - that makes no sense to me unless they messed up in initially telling you 15% down was allowable for their product.Not sure how much time you have left before closing, but a second opinion here may not be a bad idea...if it's a 1 unit investment property then 15% down IS the minimum down payment allowed for a conventional loan. 

Those low cost markets return on investment has minimal appreciation.  

If you plan on putting minimal value adds that justifies a rent increase in my eyes but I certainly understand the motive of slight increases over time.