Also, not sure if I should try to define a “future” rent amount of rent exceeds 12mo?

This is their own rule...so no lender can change that rule.Generally speaking there are 2 main types of loans for investors: “Conventional” and “Portfolio”Conventional - I'll define these as loans that come from Fannie Mae and Freddie Mac.

So let me give some more defining qualifiers.

I also have a commercial long term rental policy but that doesn't define the activity.

Depends on how you define "rehab" but for me I updated electric and plumbing and those alone were a lot. 

It can be a residential property which is defined as 1-4 units.  

This is where the key is, and this is what eludes my opponent, but of course not the courts.Since it is so important to figure out how many dwelling units we have, Section 280A needed to define the meaning of dwelling unit.

Luckily, you get to define that for yourself.  

There is no set definition or rule saying what defines each level.

So let's assume you define them.