@Andrew Nguyen, unfortunately no ones got the "right" answer for you. 

seems like all permits are up to date. just awkward that two appraisers could not appraise or " did want to put in the work" seeking lending from another mortgage broker who claims they can do it but if its an appraisal issue then may have to walk away unfortunately.

Who decides what an extenuating circumstance is? 

Unfortunately investors have began realizing this the last few years and have driven up prices like crazy.

I would suggest talking with more lenders and explaining the situation to see if they would be able to lend based on your circumstance, not all lenders are created equally.

Paying for future cash flows today has been going on for a while, unfortunately.

Unfortunately it isn't enough to do something big in real estate but I plan to start small.

Depending on your facts and circumstances you may consider having a conversation with your CPA whether you qualify for a real estate professional election.

Unfortunately about 1.5-2 years ago they have not been paid (way past the maturity date) and the borrower says "they will pay" and nothing has happened so far.

Successful investors understand Epictetus; ' circumstances do not maketh the man, they reveal him.'