It seems a little ridiculous to me to require tenants to  make $3,600 to $4,500 a month, That is a very high income requirement that not a lot of people will qualify for, and if they do would they really be renting in the first place. 

you shopped the internet like a maniac, contacting every pop up on your screen offering ridiculously low rates, all to save an .125 in rate, equal to about a tax deductible 40.00 mo, on a loan you likely won't even have for over 60 mo. before you refi or sell the property anyway     

Bo Goebel I have mine in Virginia as the yearly fees are ridiculously low and I register as a foreign entity in other states.

No, of course, I did not want him to leave mid month, that's ridiculous to consider.  

No electric expenses is ridiculous,  even if there is no common area electric (very doubtful) there has to be some accounting for electrical usage for vacant units. 

I know, it’s unfortunate and ridiculous.

I realize this may be a very ridiculous question, but I'm asking anyway so I can get my hands on the process.

It sounds like you may have used a larger box lender and their criteria has become increasingly ridiculous.

While the contractor is ridiculous, part of the reason he’s saying this is for you just to give up. 

MF is very hot at this time in most markets and sellers want to squeeze out every bit they can so prices have become ridiculous and buyers are still paying them.