What to do next though I’m still researching due to some extenuating circumstances.

@Richard Townsend  In your circumstance it may make sense to leave the equity in the home until you sell.

Still, I'd like to manage the best loan possible given my unique circumstances. 

Anything else unforeseen? 

The circumstances behind the previous owner on title?

Is that enough when setting aside money for capital expenditures, vacancy, and other unforeseen costs? 

I just lost out on a similar deal a few weeks ago with similar circumstances.

This way, it generates a brief conversation about their circumstances and I track that. 

@Alexandra Huang  If your circumstances haven't changed since the last credit pull, it probably wasn't necessary unless you're already under contract on a new home. 

The experience in the group helped to have the project completed but remembering to flexible with numbers and not to agresssive makes it easier to deal with the unforeseen costs that lay in the shadows of such a project.