However we have closed numerous loans with them and they have always been responsive. 

LOLMaybe start with a phone call asking for an explanation.

The numerator will include your cash flow and principal pay down.

Have you considered LTR or maybe MTR (with explanations to the tenants)?

Thanks for the explanation - I really appreciate the perspective.

Numerous improvements have made over the years.Dad wants sell the property this year, so I will assume it sells for $1M.Dad’s LE share would be $300,000.  

Lenders will want to verify you live somewhere else through various methods such as a utility bill, 12 months rent payments + lease, and/or a explanation regarding your current living situation 

This is in spite of getting numerous off market properties sent to my email.  

I need to make my first move so as to avoid analysis paralysis but I don't know how to go about it.I hope to meet a mentor(s) who can help me with my vision to own numerous single and multi family rentals to create cash flow, financial freedom, and a legacy for my family.

=======Michael and Mino Lending and team, please provide Giannina with an explanation as to what happened and why there was a non-disclosure increase in funds the day of closing.