Differences can always be adjusted.

I add them to my checklist and adjusted for subsequent projects.

Basically, you qualify as cash-out, but don't add the LLPA adjuster for cash-out-- Essentially making it Rate/Term, even though you got "cash out" to pay off your student loan(s).

I have gone ahead and adjusted the acquisition numbers in my estimate to what @Steve Wilson suggested.

I had reached out to them already actually and unfortunately with this specific property I can't go conventional and their commercial rates are only good for one year whereas there are other options I've already found such a CCF Bank and Royal credit Union that offer 5 year fixed rates that adjust every five years with a 20 year amortization I'm just trying to see if I can find a lender that can possibly beat those guys.

Yes, the sky might be falling, but if we adjust our business strategy every time someone calls that out, we'll be running from crisis to crisis.  

Not having a widget at all might be a $10k adjustment. 

Get a new thermostat that you can adjust, what the temerature actually reads to something a little colder, its in there mind not in the unit n

The comps have to be adjusted for differences to your subject property.  

Those rent for $400-$600 per family.  51,500 purchase20 year mortgage that the bank keeps on their books. 4.5% that adjust every 5 years.