FNB reject home loan due to work required at property

I have 3 properties with FNB and app**** for a switch to FNB. FNB confirmed its approved in principle pending valuation. A valuation was done on 19.09.2024 and I received two emails the next day from FNB. One asking to clarify my rental income (which was done earlier during the week and credit already did all their checks as they issued the approval in principle already) and secondly, the reject the credit application as I need to do work at the property. Since when does a credit application rejection include physical work? My property purchased in March 2023 via FNB had major work to be done and yet it was approved. No valuation report received nor credit related answers and also why FNB reduce rental income to 70% and do not consider 100%.