But my middle score ended up 10 points lower than I can for a loan with that bank (ok for other banks, but bad rates). 

A few weeks ago I would have sided with her (when we were in the middle of a strict "stay at home" order), but now that we are already in phase 2, you may have a bit more leverage.

I was in the middle of a BRRRR when the pandemic hit.

I would be very professional, express concern, and tell him what your records show, explain that there is also a middle man In play (the property manager), and perhaps there was a mix-up there?  

Example: I live in a nice middle class neighborhood, but I'm a quarter mile from one of the most exclusive neighborhoods in my city.

Coastal or middle USA? 

Particularly areas with a good mix of home owners and renters, but still fairly reasonably priced.In Essex, most NE of 702 are pretty solid for house hacking and/or rentals as you get closer to the Middle River side of the water. 

Originally posted by @Ivy Pierce:Most of the assistance programs have a 5% interest rate and put a 2nd lien on the property for 5 year owner occupancy. 

We're in WI and closed a deal at 4.875, and are in the middle of closing another, but not exactly sure what it will come out too.

In other words, the applicant/tenant is not in the middle forging signatures or getting fake letters off the internet.The form contains a paragraph that states the penalty for for perjury.