Don, I do not hear of banks denying a loan for that reason.

Appealed to the town denied and would have had to go to the next level.  

Denis you've got a lot of different moving parts here. 

Deny the tenant and move on.

There has been a history of abuse in this industry.

He saw no purpose to be served by a wholesaler and completely denied the fact that we can do good things for people in bad situations.

The tub/shower surrounds don't take the same abuse that tubs do and generally lasts 4-6 years in my experience.

Quote from @I Husaan: I hear Landlords complain about these all the time, saying they are heavily abused and break all the time.

The yields are great but involve creative finance, my hope I guess going forward is to refinance out of them down the road, but I guess we'll see.Was denied a loan from one of the big banks because "They just don't feel like they can loan money to someone who owns 90 rentals".

If your agent is trying to give you a homeowners policy run from them as that is the totally wrong thing and if you have a claim you will be denied.