American consumers and the regulatory bodies have learned nothing from their mistakes and once again you will be facing the very same abuse of credit.

Abusive behavior is not allowed here. 

Domestic abuse is real, and many times the victims try to sympathize with their abusers, or tell other people that "it's not so bad" because that's all their used to. 

[Coverage can be denied in situations like this. 

If you feel there are no other offers then say "That is our highest and best offer".When I go to present offers I tell them they have the opportunity to do one of the 4 following things (Accept/Deny/Ignore/Counter). 

Quote from @Denis Boyda: I visited the building department, they told me that it's not possible to convert my SFH to multifamily.

We’ve been told by two different mortgage brokers that lenders are denying us because it our work looks inconsistent.  

Hi, I put a claim on old cast iron pipes that went bad with the insurance company on a rental property and my claim was denied.

Wells Fargo told me the same thing, then after the whole process, said the underwriter denied it.

This works really well with multis since investors really don't like to be cheap grinded during the inspection phase.Also, for FHA or VA loans, they have very strict appraisals that can be denyed for minor things like pealing paint or lack of hand railings.