I broker my HELOCs to TCF bank specifically because they will accept Fannie and Freddie's standard methods of calculating DTI (which your local credit union obviously is not) instead of re-inventing the wheel, with the only deviation being that they will calculate their own debt obligation more conservatively (which makes sense given that it's an interest only product in 2nd lien position). 

do you have any products for lower FMV's?

Have you guys been to the meetups and are they productive?

Where there is a need for a service or product, rest assured someone has a solution.  

I don't dissect their portfolios but with some of the recent extreme weather, turning attention to those markets that have had those types of events, which also means tapping into insurance claims to re-build, is a way to deploy product that has a higher rate of absorption.

If there are no obvious defects, I wouldn't be too concerned. 

They are a portfolio lender with investment products tailored for flips, rentals, etc. 

The standard is that you have held the property for productive use in business, trade, or for investment.  

Check out The Productivity App That'll Change How You Run Your Real Estate Business by Nathan Brown.  

We attend the christening or first birthday party if invited.We give gift cards for the Holidays.We help decorate for the Holidays and contribute to community potlucks/BBQs (at our 8-plex).We have a "make it your own home" policy, whereby we give approval for a reasonable modification to the property, such as painting a room, changing out a light fixture, etc.We prepare a "move-in packet" which includes information to orient them to the property (property rules, utility contact information, change of address form, our contact information, etc. ) and also information about the neighborhood, such as a walking/trail map of the local area, chamber of commerce welcome information, a list of nearby amenities (including medical, shopping, restaurants, schools, parks), menus for local pizza delivery services, coupons for local businesses, etc.We prepare a "move-in gift" which consists of a bucket of our favorite cleaning supplies and a reusable shopping bag with starter supplies of paper products, a "Zip-It" hair snare for clearing sink drains, a toilet plunger, a cutting board, approved hanging devices (picture hooks), a door mat and a shoe tray.We supply light bulbs for all permanent light fixtures for the duration of the tenancy, including specialty bulbs for appliances and chandeliers.