This is because the more advanced level metrics like IRR and NPV apply to properties that are valued based off their income stream.

The bank circumvents this rule by simply setting a high enough price point that they won’t lend out on cheap houses

I suggest posting signs as @Nathan G. recommended and placing "No Swimming" rules in your online house rules on your Airbnb and VRBO listings.I would even include the "No Swimming" sign in your pictures too.Doing this MAY reduce your risk to an acceptable level.

The rules were a bit different then and I was able to get a broker's license.

When you apply for a HELOC, they come up with an estimated value using software.

I don't think they would want to put up with you re-applying with another lender, especially when they had 15 offers.

My must have is $150/mo profit per property so it hits that and the 1% rule.

What can I earn analysing  deals  since I cannot have cash and I could not borrow further money, currently I am reading books , listen to bigger pocket proadcast, networking.etc You'll have to figure out how this might apply to real estate investing, but the best way to learn how to invest in the stock market (in my opinion) is when you have no money.

Meaning your contracts and rules are not negotiable.

As a general rule is that you should not expect some Agents are not being totally honest.Just be honest about what you are doing to the Agent and they may or may not say everything you said to the seller.