The GC is a business person who doesn't care about your ARV, LTV, or your budget.

Gotta be careful though.

The IRS doesn't care which of you is on title.

I have had a couple of clients just get the loan approved with the long term rates and then the bank really doesn't care how they get it rented out after.

You have to understand that these people don't care about anything, and the government people are overworked and will not follow up with all the small cases. 

I like using these for just this case.Another item to consider is since this is a 2nd floor I wouldn't be that worried since the 1st floor will heat the 2nd floor enough to not allow frozen pipes.I would also talk to an HVAC person because I believe they can also put a device to cycle the heat a few times a day or even put a secondary thermostat in the apt to take care of the minimum issues.I feel for you because otherwise you have a great tenant.

You need to review the assessment record for your property as there may be errors. 

If you haven’t already, try escalating the case and requesting a senior representative to review it.

No one cares about your properties like you do.

My experience with S8: There is a reasonably strong correlation between S8 tenants and tenants that do not take care of a rental property.