Looking at secondary market guidelines isn't an answer, any lender may apply prudent lending practices they are free to set as they determine risks and make or deny any loan, they are not required to fund any loan just because guidelines are met.

If they deny the tenant, then it's on them and you are not liable.

One does 30 year notes but they said too many loans out so they denied me when all my properties are rented. 

Just got news IHDA grant is being denied because the HOA is running an overall deficit.

I have started calling other bank if they would finance this deal if the first bank denies my loan.

I've had to check it off a few times and so far I have never been denied possession.  

A simple ROI calculation is hard to deny... look at your percentage of interest growth on your debt.

He lost his license, was disbarred, and was later even denied from being able to do"simple" Real Estate consultation. 

Even worse is having some loss, filing a claim, then getting denied because you had the wrong type of insurance.

The insurance company with the cheapest rate is also probably the one most likely to deny coverage, right?