I live in Florida which is very humid and mildew is a common occurrence. 

My job is more with cranes erecting large buildings in Boston placing the columns and beams, welding and such.

That’s something that commonly gets paid for by the borrower, not the lender. 

I've seen DOS happen a couple of times, I don't think it is all that common. 

Which means low paying jobs and a smaller buyer pool. 

So if you make $5000 a month from your job and your total rental income on the 3 other units is $3000, your combined income would be $5000 + $2250 ($3k x 0.75) = $7250 so your approved payment would be $2175.

Understandably, if people are only on vacation for three days to five days, they don’t want to wait a day or two so you end up spending more money for rush jobs.

The contractor we hired renovated several other units in the same building and did a beautiful job.

As others have said $20k saved and an $86k per year salary at your job at just 18 years old is extremely impressive already.

We don't charge the pets rent because they don't have jobs.