The scratches/dents are typically on the sides or back due to damage during shipping from the manufacturer.Or, if the rental is not high-end you can get bottom of the barrel prices at the Appliance Recycling Outlet in Snohomish.

The banks and credit unions that cater to the military community know all the ins and outs of VA loans.

I paid $6400 for the house, rents in the area are typically $1200-1500 a month, House is a complete shell and has some Structural damage from a tree falling on it towards the back.

I've been content to wholesale, stow away cash, and keep a strong credit profile for when things bottom out but a "brain fart" popped in my head.  

And, after asking the owner of the unit below me, it turns out there was serious damage on her flooring. 

I expect a broken door here or there, the occasional dent, maybe the occasional weird instance of someone causing damage by storing something weird.

My issue comes with my DTI ratio being too high to have both properties on my credit report. 

May have a better chance if it was a small local servicer, credit union, private money lender.

Great tenants, want to keep this one.four properties on a business line of credit, interest only, the interest rate just increased to 6.5%. owe 200k, monthly payment around $1,074.  

Someone mentioned to me that it could be presented to bank for an amount and ask for a credit back for repairs.