Both sets of tenants still are living there.I have a large dog (lab that is over 100 lbs) and have had in the past Goldens and a King Shepherd (150 lbs of virtually no fat).  

I believe you can increase rent at anytime with 30 day notice (in AZ we can).

I don’t know that I want to appeal anything, but I’m not thrilled about the estimated tax increase.

So if we used your 30k example, and the tax rate is around 2.8% then your increase in tax is $840.

I went back in and changed the following: - Added my acquisition financing amortization time- Increased my closing costs for the acquisition loan - Changed my purchase price to $60k to reach the target LTV you mentioned in #3- I also added in monthly holding costs which I totally spaced.

Somehow the spot will absorb and increase the heat.

Analysis over time - everything just increases 1% each year?)

If you're trying to get a conventional Fannie/Freddie loan asking another bank won't help.Your issue is they cut off at 45-50% max DTI and you are currently at 65%.You need to get rid of some debt, increase income, get a co-signer or look for non-conventional lenders.

So we slowly increased budget, scope, materials, time, etc..

I at least think you need to have a tiered payment that increases the price with the number of projects.