You will be relieved once you add this.As far as fresh water, or hot water plumbing other than leaving faucets on low drip in really cold weather it's a gamble.. 

One bitcoin stock I own just split 91 to 1 so that whole world is a little nuts and just a speculation gamble currently.

No problem.Tangent of sorts: I write a monthly column for a UK real estate investment magazine (print and online).

If I knew it was only 4 months I'd take the gamble, but at this point I am considering selling as leases expire for my SFHs. 

The income could be on point however her money could be going elsewhere and not be gettin reported such as shelling out for family, gambling, a peer to peer loan (i’m not 100 percent sure if those show up in your report) etc.

Do you need $94.5 to pay a gambling debt to the Mafia? 

It's a gamble really - my term for it is the CGT - the Consumer Gambling Threshold - That is in fact the force that sets the appraisal fee, not the appraiser.

I am originally from UK and after 6 years I now qualify for funding and I am wanting to house hack a multi family (seems like a cheat code as it isn't an option on a residential mortgage in the UK) but the issue i am finding is the low inventory in my area (6 listings within 20 mile radius of Danville VA) and nothing that i think i can make cashflow well / or seems like it would rent to a decent caliber of tenant. 

When you exit a market for a duration (in your case 3 years), you are taking a gamble that market does not get far worse for purchases.  

It also seems like there are 6+ month waiting lists to get into modern, resort style apartments around here so tenants may be out of luck if they take a gamble leaving, which i think is playing in us (Landlord's favor) as of now as they don't have as much bargaining power.