We typically fill vacancies in 1-2 weeks and it sounds like you are in a good neighborhood, so let's find out what the issue is. 

Fannie and Freddie can now technically go up to 50% DTI back end (All debts included on your credit report) Typically, anything under 45% back end will approve with good Fico and reserves.

However if the property isn't fully stabilized, and it needs to be rehabbed or occupancy increased (fully stabilized is typically considered 85-90% + occupancy) then you may have to do the purchase with a specialty commercial program until it can become fully stabilized.

So make sure what you are asking for is typical of that area 

They're typically held at places of new business or places not everyone knows about yet. 

I had a applicant like that who started demanding repainting the kitchen because they didn’t like the color, demanded I lower my security deposit as they felt it was unnecessarily high and wanted a bit lower rent because it was off season. 

Lot's of possibilities.Like Account Closed - While you are right that us list providers can't say to the penny how much equity someone has, our equity models are typically very good.

@Freddie Williams - Typically I see banks wanting 3 months of stabilized rent prior to the refi. 

Lenders typically don’t give owner occupied financing terms to any business entity.

Our firm completes cost segregation studies however a $600k apartment building doesn't typically justify the cost of completing a study.