I was going to say worst case, the underwriter is just not very good and/or inexperienced and to find another one that is investor friendly and willing to think outside the box to make the deal happen.In the lawsuit I quoted above, the mortgage company indicates as much that the particular loan officer on the case was their most experienced person

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The service data sheet that came with the 10-year-old Hotpoint (GE) 18-cubic-foot top-mount no-frost in my house says that with the freezer knob at 5 (on a scale of 1 to 9) and the fresh-food knob (if equipped) at C, which is also the middle, you should have:70 F ambient: Fresh food 33-39 F, freezer -4 to +2 F, percent run time 26 to 36%90 F ambient: Fresh food 33-41 F, freezer -4 to +4 F, percent run time 40 to 56%The service data sheet that came with my 3-year-old Frigidaire (Electrolux) 18-cubic-foot top-mount no-frost at my rental says that with no load, the doors closed, and the controls set in the middle, you should have:65 F ambient: Fresh food 35-40 F, freezer +2 to +8 F, percent run time 25% to 35%90 F ambient: Fresh food 35-40 F, freezer 0 to +5 F, percent run time 45 to 55%Another rule of thumb I have heard is that if you have a box/tub of ice cream in the freezer, it should be soft enough that you can scoop it - not a solid block but not runny either.Like @Jennifer Rysdam and @Joe Splitrock said, cleaning the coils can help. 

You might hear some people say to look for sponsors that are investing money in the deal alongside you, as if that "checks the box" that the sponsor will do the right thing. 

I really think some lenders put a bunch of terms in a box, shake it up and pull out a hand-full of terms and read them off to you.

Karma works in mysterious ways...

I was touring a 91 unit here in Charlotte that checked all the boxes.

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I purchased 60 boxes of commercial flooring each covering 18.1 square feet.

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