The home uses 2 natural gas heaters (dyna-glo 3000 BTu), house was built in 1950 (older homes used these gas heaters as a heat source in the area) and is in the upperclass area where newer homes have been built and continue to be built ( which newer homes have central heat) , I just had the appraisal come back to the lender is saying that “” Appraisal stated The heaters aren’t normal for the area this is a comparable item The subject property doesn’t exist the area and/or comps used” so the underwriter won’t approve the refi , what do you guys think my next move should be?

Solution to #2 – there should be a clause in the management contract that provides a threshold where any work above a certain amount requires owner approval (emergencies are handled separately).

I was almost completed the underwriting for a "operation welcome home" loan which previous allowed in its guidelines that would take income from a rental unit into consideration for the approval of the loan.

Look, you can do a VOD (verification of Deposits) and have a loan approval I assume?

Turns out you must only make 80% of AMI and it turns out I dont qualify. so I was approved for an FHA but unsure if it will pass inspections. 

Meaning, what do lenders examine to get you APPROVED. 

In Santa Rosa county there will be just a few condo's that are approved for conventional financing.

I tried negotiating but they didn't approve, so I walked away from the deal.

@Sergio Roman II what’s plan B if bank doesn’t approve first heloc?

If the deal can be scrutinized and approved by a few lenders you’re likely in a solid position.