Since assessed value is a big variable in the "Zestimate", it is showing a much lower estimate than comparable properties. 

I have sent notices covering a period of several days, during regular business hours,  because repair companies have variable schedules.   

Do you drink from a public water supply?

Do lenders have a standard way of looking at variable W2 income? 

Lots of variables there. :)

: yesHVAC System Duct: Damaged ac functional at hpirfurnace tested functional at hpir _____________________Electrical Wiring: ok--Other: damaged --Other: damaged Electric supply tested and functional?

There is the worst way of install electric baseboards, or if you have the room to install a small wall hung boiler (maybe where the hotwater tank is) and run hot water baseboards... too many variables without knowing whats going on. 3-15k

you are betting your airbnb reputation on so many unknown/uncontrollable variables.

Very similar to when a property has their culinary water supply coming from a shared well.

I'm in Phoenix and have talked to several hard $ lenders recently; 3-5, and each agent I talk to seems to have one in their pocket.  11% interest highest, no upfront fees, 1 appraiser, no upfront fees, variable entry and variable exit time limits.