They know people, including who is good at getting offers accepted, which is by far the most important part of RE in the Bay Area since everything gets 20+ offers.

You could try to get the lender to not include such a clause, or get the loan servicer to waive the clause, but that might be difficult to accomplish.

The quotes I have included a bunch of silly things on them like "jewelry" protection which seems nuts.   

Now I am putting together a flyer to include with the letter.

We moved to Allen county for a while because of a job transfer and picked up two properties while we were there including a house hack.

The place was left a disaster and I had to haul 6 truckloads of trash out of the home and yard, including where she burned dog poop instead of throwing it away. 

I also have a SFH, which I have rented out for the last two years, will this income be included in my DTI?

So, yes, I am increasingly leaning toward HML given the ability to finance the whole deal including the repairs. 

So, the total move-in costs (not including pet fees, if applicable) would be $2475, all paid prior to lease signing.Also, we would need copies of the two most recent pay stubs and photo ID for all applicants aged 18+ (I can scan at the showing) to begin the verification process, which only takes a few days.Since choosing a place to live is a very personal decision, please feel free to do a “drive by” of the property, located at 123 Main St, so you can get a “feel” for the neighborhood.

Always make note of the all the cool stuff when you see properties as often you can get a lot of great stuff included and make the deal fly too!