Talking to a more local lender that can do that would be the best bet though since it is not a standard loan product, I believe. 

If the annual billing was not provided in those XX days, I don't think contractual law will allow you to go back and provide them with all 4 annual statements, at least 3 of which were not provided within XX dates.Somebody is eating the money here and my bet is on the property manager from a contractual point of view, but in reality will probably end up being the landlord.

I would say I'm a cautious investor so I want to hedge my bet as much as possible.

I personally can not stand the sound of the floating floor, i have not found one yet that does not sound "hollow" when you walk on it. your best bet is glue down or nail down, you can buy 3/8" nail down flooring, and as mentioned by @Jon Graham  some of the engineered wood have a thick enough top layer to be able to re sand it, do your homework on that.

Meaning, I cannot deny an applicant if they DO meet the income requirements simply because they are unemployed (maybe the receive disability or other income).2) For Dane county specifically they list these additional protected classes:Dane County includes all federal and state protections, plus the following: Physical Condition, Mental Illness, and HandicapType of Military DischargePhysical AppearanceGender Identity (includes transgender)Domestic Partnership StatusPolitical BeliefsStudent StatusReceipt of Rental Assistance (such as Section 8)So, you cannot deny an applicant if they look messy ...

If you do figure out an arbitrage strategy, you will make some temporary profits but eventually the computers will detect your wins and start front-running your trades.It helps to have an advanced degree in Math/Physics/Statistics, access to sophisticated simulation software to back-test your trading strategies, and the intestinal fortitude of a Navy Seal :)

I've been researching various strategies for how I would like to invest, and there are some interesting hurdles that I'm enjoying thinking through given my occupation and physical locations.

Bet the winner hadn't seen the inside.

I'm not a betting man, but if I was I'd say they homeowner is trying to pull a fast one.

I know some of you don't even do any physical labor yourselves.