All of this provides the public with more protection against major theft or loss of funds.

Definitely talk to a CPA...they are not necessarily invested in where you put your money, only how to minimize your tax liability.

Your lender should know that with depreciation, new investments almost always show a loss ON PAPER. 

I took a loss in my Las Vegas timeshare.

I currently live for free and have minimal bills.

I will likely still get the deal, but will probably have to pay more and negotiate more to keep it comfortable and profitable.Should I have done something different before sitting down to avoid this delay and potential loss of the deal if it appraised for a lot more?  

My ideal type of property purchases will be multifamily and I want to start out with at least a duplex and hopefully scale up to apartments to minimize costs.

Most accountants play not to loss and don't play to win. 

However it doesn't mean it's a loss cause.

I decided to give them 4 options:Option 1: I give you a discounted rent of $750 for the month of February to assist with compensating for your loss.