Often without much overlap."

Good question @Brian Gerlach - REI Hub and Stessa definitely have some overlap- we both make it easy to track income and expenses, prepare for tax time, and stay organized. 

I couldn't help but chime in on this as it overlaps in many verticals in my world. #1 @Taylor L. you addressed the most important point as it relates to the initial post.

You can cherry pick which sources of income you use (base salary, rental income, bonuses, overtime), but whatever you pick, has to be used for all qualifying criteria.If your loan officer told you about it, that likely means you're in that very narrow strip of overlap (the "Goldilocks zone," or the "sweet spot," whatever you want to call it).

Getting an outside appraisal and self-managing (to the extent you can) will help as well.I'm happy to hear you're on our waitlist, but I agree that sorting this out needs to be your top priority, even if the financials don't overlap (this vs a non-ira investment) - just for peace of mind.

Read the articles below and you'll find overlap.

The only other place where these programs overlap is that there must be a "conservation easement" placed on the title of the land and this will already have been accomplished through the TDR certification process. 

That's in the directions, but some contractors miss this point and it won't go down well if it isn't the right temperature.We have had better results with Allure Ultra (click together) than Allure (adhesive overlap)... made by TrafficMaster and sold at Home Depot.

@Marco Morkous as long as those agents are in multiple markets and not overlapping, I see no problem with it at all.

Much overlap as to how we view the world -- just executing our strategies in different parts of the country.