Take what you consider plenty of video and photographic evidence on why you held the deposit, then double what you think is necessary.   

I’m curious how others handle this, and if they rent but insist on evidence of renter’s insurance, etc.Curious to your feedback.Thanks in advance.Brent

Personally, unless the real estate market nationwide tumbles (which is possible), I don't think Portland will go down much because demand is increasing as people continue to move up to Oregon from California (a trend I see no evidence of slowing down) and there isn't really a way to add infastructure like roads and highways in the city center.

Lender: Yes we can give a refinance, just contact us back.And how would I have evidence that I have the pre approval is it just word of mouth by the lender or me or is there paperwork?

If the number is too high, we evidence to the bank why we disagree, and push for another BPO.

For example, if you state that evidence of dogs on the couch (such as hair or prints) will result in a $100 surcharge, is it easy to collect that on the backend? 

COVID might put a damper on some of that, but not all of it, and this is evidence that we will have stable, reliable growth in the housing sector in the housing market over the next few years.

This is evidence that money has been pouring into the city, and many projects have recently finished.

Show evidence of receipt (only need to show one month), show balance of account you are drawing from, as long as there are enough funds for 3 years you qualify. 

If you have 12 SFR properties then you had (or still have) enough equity when considering even only the downpayment you put on the houses to get into a fairly large multi-unit building.As for turnover whether SFR's or multi-units are better, we own several large apartment buildings, several SFR's and find absolutely no evidence that SFR's stay longer.