(eg, if your lot is not the standard 25 x 125, but some other multiple where the width is actually skinnier than 25, and the lenghth is longer than 125, and you want to reduce side setback requirements, eg.) 

As for non-bank loans, I'm familiar with a loan program that provides 100% financing, but it requires a minimum 650 credit score and proof of funds covering 12 months of interest.

Yes, I share the same feelings and dont understand why the information and steps required is SO extensive! 

Lenders will lend the lower of the amount between LTC and LTV.Do you require an appraisal and survey?

I'm being required to pay another application fee and then $600 application fee to hopefully get this approved by the Board to allow me to continue running the STR that they approved 6+ months ago. 

A deposit on that site is required to bid.

I'd ask for vet documentation for proof pet has received all state required vaccines.

Conventional loans will require 12 months seasoning for cash out and are usually capped at 75% LTV 2.

When you tell them they will only get paid when the loan closes, they will disappear.If required, the only money you should ever send to the lender is for a credit check.

Tax law requires it.