Something to consider is that you mentioned you had a day job so I’m assuming you’re not a real estate professional.

I don't think there is a hard and fast occupancy rule for VA because you get a VA allotment.

My DH does have a great W-2 income. 

Probably a second downtown Nashville.

They did a 'drive by' appraisal, but I think that means they looked at comps in the area.

Generally, I would be tree trimming once a year to cut back any branches hanging over the houses because of potential damage, but also because of insect transfer.

Who is offering a solution, or is there one? 

I just bought a single-family there a few months ago.

Both things are happening.Buyer agent commission is still negotiated up front with sellers although there is the option not to compensate a buyer's agent - aka have the buyer pay their agent.We also tell buyer's agents to include their commission in the offer.

But a friendly word of advice.