I believe the reason why they are trying to withhold appraisals for folks is that they are afraid some of their customers will shop other lenders with the appraisal in hand. 

If they are assuming the loan shouldnt there credit take full responsibility of the remainder of the loan?

Shop elsewhere. 

You need to figure that out before you waste any time shopping.

Once they move out, I would take any unusually high water bills, repairs, cleaning, etc. out of their security deposit prior to refunding any remainder.

When shopping around for properties find ones fully rented so u can use 75% of that toward your DTI.

We can help you with the property search, acquisition, taxes, rental and all related operations as we aim to be one-stop-shop for our clients.Please dont hesitate to inquiry for more info.Best regards,Robin

@Jason Lochinger, it always pays to shop around.

We first became interested in ABQ after hearing all the news about Netflix & Universal setting up shop and investing over a billion dollars over the next 10 years in production and job creation.

Let's look at an example..Purchase price 200K2nd home purchaseDown payment 20k (10%)Credit score 760Your lender will be able to shop around with different mortgage insurance companies to see which gives the best rate, but I quickly ran one with one of the companies and this is what i got.