"google my business verification has specific requirements for approval: the business name must be exactly as it appears in real life, and the business can't have multiple locations in one physical address. what's the third potential reason for disapproval in the verification process? "

The third potential reason for disapproval in the verification process is Location isn’t yet open

Explanation:

If the business has not yet open then the verification will return false. Google allows to you to add business details before you open in a particular verification.

But only thing you require is that, you should postpone the verification date otherwise it will be a false information displayed on the google

(ie. a business might not have start on the set date but it appears open).

So you can sign in to Google business, invite people, set the open date as real and choose verify later.