But for an insurance company to deny because in their opinion a roof company is not reputable is subjective and I personal may question that insurance company business interests.  

Anything above that amount, caused by Tenant use, abuse, neglect, or failure to report a maintenance issue, becomes the Tenant's responsibility.

., I seriously doubt they are going to get follow my rules about written approval to modify the residence or honor my pet or smoking policy.In this case with this lady you just denied, that's a tricky one. 

Obviously he said that it is out of his scope to confirm or deny.

I applied for a HELOC with Affinity, but was denied because the house does not have enough equity in it.

Well to answer this, a lender can not deny you if there is a foundation issue because they will never know unless you stand there pointing it out to an appraiser.

Quote from @Denis Ponder: Quote from @Sarah Auriemma: Quote from @Denis Ponder: Thanks for posting and welcome.I would argue your current place is not a perfect rental property since it doesn't cashflow as a rental. 

Is anyone familiar with investing in that area that could confirm/deny the viability of using a 3-4br single family as an STR, or if there is anything I might be missing? 

Cozy customer service denied that there could have been a security breach. 

If anyone has applied and been denied in this applicant cycle, don't change your criteria.