Bank found lots of issues with that appraisal and won't accept it. 

It's great to see a post with actual common sense on here regarding this NAR situation.

Are there other issues I should be considering?

also open to other ideas to generate so cash flow - ROE is really an issue Thanks !! 

There are very common sense reasons agents, MLS, realtors exist.

I've been though a couple of lawsuits on those issues.

Another important issue is how to take the title. 

Here is the actual chart that shows the rents for each income level: https://www.sdhc.org/wp-content/uploads/2023/AMIIncomeRentCh...If you are still having issues understanding how it works - Send me a message.

Do you see any issues with this?

I have clients (Im a mortgage broker) who over leverage with gap funders and HMLs on purchases and even THEY have valuation and cash issues when concluding a project.