We worked closely with a realtor who helped us with the city and where the right side of the tracks happen to be and what real rents were and how much improving we should do (we are natural over improvers and have been told we have the nicest rentals in town which makes me happy.) 

An agent (the natural person) must hold a state issued license.  

This is usually only true when the repairs are of a significant nature such as no heat, hot water, cook top, etc...

I guess my years and years of windows experience makes the operating system almost second nature.  

All 506 offerings would need to make additional disclosures regarding: a) the issuer's website (if any); b) additional information regarding the percentage of purchasers of the offering that are accredited investors and natural persons; c) the percentage of the offering used to repurchase securities, pay offering expenses, acquire assets, finance acquisition of other businesses, provide working capital and discharge debts and d) the names and SEC file numbers of any SEC registered investment advisers providing advice to the issuer if the issuer is a pooled investment vehicle.

I make good money but i have no proof of income due to the nature of the business.

I moved back to my home state (Massachusetts) in 2008 and have been in Corporate America since.

Its human nature to see what we want to see...

When I asked why, I was told it was because I lived in a designated natural disaster area.

This could be a violation of state law.If the lender or underwriter shares these thoughts, they may be attempting to protect their position by getting as many people as possible responsible for the loan and reducing the appearance of being a party to a possible illegal transaction.In Colorado, a transaction of this nature could be disallowed at any time according to the statutes.The nature of the transaction may also be concerning to the lender because they may think a con is being played.The lender may have concerns with the parties in the transaction.A conversation with the lender may help to solve your problem.