I'm not saying this has any reflection on you or what you are wanting, Zachary, but that is usually the perception from the agent's point of view.Since this is true, many of us investors obtained our own license so that we aren't relying on others and can 'waste' our own time using the real estate tools first hand to help ourselves and others. 

If purchasing under tenants-in-common, make sure to reflect the Solo 401k plan’s purchase portion separately.

My lease, landlord tenant regulations and my business policies, which reflect those regulations, have already made all my decisions in advance. 

The chart of accounts will expand to reflect the common, and occasional, transactions that happen with a real estate business.  

@Daniel Rudio As other have pointed out, the banker is trying to season the private loan so that its not reflected on the loan.

I should have mentioned that you should amend your Operating Agreement to reflect the change in ownership as well.

So if I look at some 10 publicly traded residential apartment owners in the country: AVB, ESS, CPT etc... as a group, their numbers should reflect ballpark trends within the industry -- keyword being should. 

Or it just may have changed hands so much that it will take a bit for the public records to reflect?

This will reflect in lower appreciation in SF, South Bay and parts of east bay also while places like tracy, Morgan Hill, Stockton, and even Sacramento increasing in prices over longer term. 

You should also recognize that your preapproval is not reflective of what you can afford.