The rental income is the majority portion of my income which is where my problem is , my other work mostly consists of working for my grandfather in the Ag department. 

No issues working with them, just make sure your deals work.

My view is it is fairly accurate if your property is similar to the majority of properties in the vicinity.  

Hello Ben, I speak with lenders about this every day as it is a common issue.

I have no fears in getting a bank approval, and it down payment is not an issue either.

We hired a plumber (that we have used for years) to fix a tub spout leak and toilet repair. They fixed the toilet with no problems. They installed a new cartridge for the tub but it was still leaking. Said they would ...

The appraisal is usually issued for the benefit of the lender so you can play hardball and share that the lender will not release a copy of the report until after settlement (which does happen in some instances depending on the lender and their policies).

This property was built in 1920 and the wiring was ancient and fraught with issues.

Here is the proof, it is Fannie Mae's guideline but Freddie Mac's guideline mirrors Fannies on this issue.

So far we haven't had any issue with the 3 day stay.