This makes for attempting lump-applications to every broker you know instead of one-at-a-time.I wonder if turning down an approved loan is a surprise to a banker?

So I will not be able to, but I know people have rental houses in this area, so I have to attempt to figure out how they are combating the insurance.  

I am not saying that you should not attempt to get schedules E but they are really a look in the past while a current T12 and RR is giving you a picture of the current operations.

Im an agent like you, and I would never attempt to put together a restraunt lease.

@Edward SalazarValuation aside, my initial questions would be focused on why the property is vacant; what it will take to have it rent-ready; and with what are you dealing w/r to local economy and clientele.Normally, the property would be appraised using the valuation method {aka Income Approach} (as opposed to comparable sales) as it is a commercial property.If the property is completely vacant and not generating revenue an attempt to value using income will be dependent on too many assumptions (assumed market rents, estimated or old expense date, etc), so an appraiser may attempt to value the building using a cost-based approach (which also has drawbacks for properties in need of updates/maintenance).Comparable sales is a weaker approach and, as indicated by others, comparison to 2-4 unit buildings is essentially meaningless.  

I attempted to solicit a hospitality college student to act as our inn-keeper without success.  

The article you mention is funny because whoever wrote it doesn't even understand the fraud they are attempting to explain.

I attempted to attend the $495 three day "training" this weekend.

I received a letter out of the blue today from an attorney's office attempting to collect debt for HOA dues totalling $2500.  

During the last year, I have had a few trespassing situations, a tenant threatened with a gun in front of the properties while walking his dog, an attempted break in, and then yesterday caught a squatter in an empty unit when I showed up to do a showing.