When a demand letter from a firm goes out, it changes the game from checkers to chess. 

I get audited about 4 times per year from different lenders based on the assets original closing dates...

In other words, if an appraiser is hell-bent on ensuring that your property doesn't appraise, he could likely do so in a supportable way.

YES, CMHA may pay 100% or a % from the tenant based on their income.

You might have wonderful memories of grandma’s house and know it’s incredibly safe based on fond memories of playing cops and robbers with your friends at night, but guests have their own point of view.

Based on my 20 years in Tampa, I'd strongly recommend considering it.

In other words, is there anyway I can represent my buyer and get a commission in a transaction with a wholesaler? 

Deborah Saddler, the information that I'm organizing at this time is more based around RE definitions and concepts, as opposed to formulas in Excel.

Are most lenders looking at my W-2 history and DTI to determine whether I qualify for the refinance or is it more based on the asset and/or its cash flow?

Trust your instincts, gather as much information as possible, and make informed decisions based on the current market conditions.