Deny application initially but offer approval with deposit plus 2 months rent up front?

A Realtor has a set a guidlelines that they must stay within, Some call it ethical believes I consider there beliefs of ethics to be a lack of lateraul thinking skills which limits them to a commission(but not denying there are legal guidelines).

Legal reasons Manager may deny an ESA, as per the Fair Housing Act Section 5 and as determined at the discretion of Manager, include: The animal is too large for the accommodation size.

Central Florida and Florida in general over the last 10 years saw a lot of bad actors in the roofing and insurance adjusting space promising homeowners they could get them a free roof if they would assign their benefits to them and then filing roof damage claims after any kind of storm event and if the insurance companies denied the claim then filing lawsuits.

Does FNMA care that part of my cash will be coming from the HELOC (i.e. deny me for this?).

I asked the seller about these issues and he denied having any prior knowledge. 

If I make 1,000,000$ vs 50k a year, will a lender deny me if and say you need a conventional loan because your income is too high?

I manage my own properties and I feel like she is either misinterpreting a different law or Is simply wrong about that but I can’t find anything online to confirm or deny.  

However, when it came time to apply for the loan, I was denied because they won't count any of that income for 24 months.

Do you know if there is a way to know or find out if you were accepted or denied access to the main event