Or does it present risk, that if appraisal comes in higher, the bank can ask for more, as well as take additional offers.My understanding is, they can accept my offer, or if the appraisal comes in higher than my offer, re-open negotiations. 

He probably misinterprets the law that nothing ADDITIONAL can be collected from a tenant with an ESA, but a generic security deposit appears to be collectible. 

If going to 75 ltv and additional price adjusters were just enough to make it the loan exceed fnma points  and fees test so they have to limit to 70 to meet that requirement. 2 It was a Dti issue and they couldn’t approve you for a higher loan, but presume if that was the case they would have mentioned either reason before.

Additionally, when the invoices come in, we add the invoice to the property ledger, so the owner can download or view the invoice once it's paid.  

The loans and properties are all under my name so I don't want to take the whole capital gains tax hit when the time comes.

@Don Konipol in addition to what @Chris Seveney said, also there is the financing cost. 

In addition to learning by experience, you could be forming a rock-solid partnership that could offer resources and options you didn't otherwise have. 

Here are some additional details and common questions related to historic tax credits:Certified Historic Structure: To qualify for the historic tax credits, the building in question must be classified as a "certified historic structure."

If this time goes over, please send pictures of additional messes, call the property manager etc. 

We do require the client to provide a certificate of insurance with us named as additionally insured, and copies of any STR permits etc.