No downside to sending a letter but not worth paying an attorney here based on what you shared. 

While the potential rental income of 4K is noteworthy, it's essential to consider various factors.The local real estate market conditions, property management costs, and potential maintenance expenses should be factored in.Additionally, evaluating investment alternatives like the stock market is prudent.Renting out a property can offer long-term benefits, but careful financial analysis is crucial to determine if it aligns with your overall investment strategy and goals.

What was offered to me personally was a DSCR loan, since it's based on rental income of the property you're trying to get a loan on, not previous and current personal income. 

The most observant owner/operators understood that local matters and people matter.At Auben, our core philosophy has always been based around local experts.

Both are based on investing $10k and selling to get back your $10k.

Basing maintenance/cap ex as a percentage of rent is not smart even though many rent calculators use percentage.

@Kristen L GarnerCan you please elaborate on alternate nonQM options that have no seasoning period for BRRRR strategy?

If they do they can pull data for you and market analytics.Of course there is a lot more that goes into it once you get that data but based on your question - that is how I wouldProceed.

People that work for you as a closer usually wouldn't have their name anywhere on the contract, etc, you are just paying them based upon your commission agreement with them.  

Based on those Sedona STR income numbers for a $800k home, either the revenue numbers are wrong- and way low, or the property is not a good one as a STR.