I politely declined, I've been with them for years, I may need to start banking at a smaller bank thats more flexible bc chase made me put 50% down to buy my vacation home which was steep but I was told with my balance sheet my debt to income was barely enough to get it in with all things considered.

This is an extremely insular county and city that is well aware of its continuing population decline and doesn't take kindly to outsiders.

Often times a 'stale' expired appraisal can be 'renewed' with a $100 or $150 re-cert of value where the appraiser basically just confirms that values haven't declined since the initial appraisal. 

I wonder if baseball bats would work on the zombies..or maybe we should just save them for the lenders that make you overpay for appraisals,then proceed to lead you on all the way,only to "decline" your application for some random reason just when you're in clear view of the underwriter....:-)

I'm in the hospitality industry for my "real job" so I'm well aware of bed bugs.What I'm not aware of is if I can decline the application based on their belongings being infested with bed bugs?

I would just decline this tenant, his attitude is one of somebody who will cause you trouble in the future. 

His declined my offer at first.  

The market here is poor and declining, so hard to get any sort of appreciation, as far as I can tell from the little research I've done.

Austin Board of REALTORS® releases November 2017 Central Texas Housing Market ReportAUSTIN, Texas – Dec. 14, 2017 – Single-family home sales declined in the city of Austin but increased across the Austin-Round Rock Metropolitan Statistical Area (MSA) for the second month in a row, according to the November 2017 Central Texas Housing Market Report released today by the Austin Board of REALTORS®.Brandy Guthrie, 2017 President of the Austin Board of REALTORS­® commented, “Due to rapid population growth throughout Central Texas, Austin continues to have one of the highest demands for housing in the nation.

The Town is about 120k population, employemnt has been slightly growing, but the population has been declining 1-3% per year in the last 5 years.