@Aamir H.The bank isn't the one with the seasoning requirement, Fannie Mae/Freddie Mac is. 

Only 1 gas device in the building besides water heaters.assessed for 300.

One bank (the one saying 4.25%) said it is also confusing since all conventional loans are funded by fannie mae / freddie mac etc. and the interest rates shouldn't vary much at all.

@Cameron Mac good I am glad it helped.

On the dog situation I have no rights unfortunately since it’s an ADA animal and it’s seen as a medical device.

I suggest owners insist on tenants using surge protectors plugged in to protect their appliances and devices as well as the property in case this ever happens. 

They will also know how to properly originate the loan for your deal and the cost should be nominal.Also, before someone suggests it, you can go to one of the GFE websites, like Freddie Mac here, and look at loan documents.

The government entities like Fanie May or Fredie Mac that buy loans from banks, were formed to help home ownership, not to help businesses.

Mcdonalds sells chicken sandwiches too not just big macs. anyways just my 2 cents and crappy metaphors. 

Some need to start with sips from a good book with all devices off.