In my case my bank asked for a few monthly checking account statements so they could see my spending habitsThe gift of giving- A few months back a co-worker was looking to purchase a home (not for investor purposes) and they received a "down payment as a gift" from a family member.

Third party servicing company for $35/mo handle taxes, insurance, escrow, tax forms, statements etc.

There is no exception accounted for in the subsections or linked sections that changes the meaning of that statement. 

I think the bulk of your sentiment is well stated, but you make a very flawed statement.

Not sure if they have upgraded to desktop appraisals but if they are still doing in person appraisals , make sure you get everything (scope of work, good faith deposit, social, LLC docs, insurance, proof of prior experience, financial statements) in ASAP.

In no way am I trying to contradict your statements.

Given statement of condition, I would think value-add is the opportunity at hand.

No additional statement was made that it would be at their expense.

Here's link: https://rent.app/landlordAppears they are a type of payday advance lender for rent payments.Seeing more & more of this on banks statements for rental applciations, so predicting we'll all be accepting rent from them eventually for Class C & D tenants that can't seem to get out of their paycheck-to-paycheck cycles.

>Time is still the most valuable thing most of us have, so spend it wisely.No truer statement.