We are not subject to a third-party audit.”There’s no telling what more the bank will ask for, so I’d be searching for another bank just in case. 

Lipstick / cosmetics go a long way.Just my 3 cents.

Ask them the requirements for a permanent or temporary residence and any short term (less than 30 days) or long term rental restrictions. 

I was already a licensed broker for a long time selling real estate, and as I began managing buildings, I had to get my managing broker's license. 

How long have they owned the building and what’s the current occupancy?

I'm not sure if you're house hacking, but commonly suggested marketing sites for long term rentals are zillow, apartments.com, and Facebook.If you're interested in doing short term rentals Airbnb, VRBO, Booking.com, and Furnished Finder.I hope this helps!

Not wear and tear.Don't be afraid to use your insurance for legitimate claims that are significantly more than your deductible. 

Seems like this will be a long drawn out issue that could can easily be resolved with proper lease language and lawn care.

Can they prove how long it takes to rent a vacant property?

Long term financing will require a minimum of 20% down on an investment property.