So, I try to avoid BOTH until they submit an application.

You need to find a contractor who can do a bit of paperwork since to get the loan, he will need to submit detailed estimates. 

If there is any tips on making things easier (in terms of not having the submit all that paperwork) that would be appreciated.

Then they can submit offers for you and represent you on the purchase.  

Currently submitting final plans that include Architectural and subdivision approval.

I want to make sure I'm doing everything right before I submit my taxes. 

Send 1,000 mailers: 2% engage = 20.   40% turn into leads = 8.   75% set appointments = 6.   85% "sit" = 5.   60% are viable potentials and submit offer = 3.    

The underwriter for a HML company has a list of required due diligence that needs to be collected before a loan can even be submitted to the asset management company or hedge fund they partner with for approval – meaning it could take a few weeks to close if you can get your broker the required docs (it’s usually referred to as the conditional approval process).

When setting up an account with a credit reporting agency, a landlord and property manager will submit a simple credit access application and supporting documentation that proves their need for access."

Some HOAs require a specific statement that the lease is subject to bylaws and also require you to submit leases for unit rentals.