Hey Alex, You can do 80% LTV on a DSCR cash out with no seasoning required, however it will not be at 0 points.

Call the registrar and ask. 1-800 321-2752 https://www.cslb.ca.gov/newsletter/2010-summer/page9.htmThe current text of ab968 requires FULL disclosure with copies of all contracts, permits and warranties within the two year window.

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?

Now, some states require an attorney to review contracts. 

Commercial deals are going to look at your qualifications as an investor as well as the DSCR value of the property supporting itself (at least here in the USA).For construction, you will need to look into licensing requirements such as a GC license.

The amount of downpayment requirement insures buyers having "skin in the game". 

One of the biggest challenges for everyone involved is being on the same page about the actual time required for maintenance.DIY landlords rarely properly track their time when it comes to property management in general - tracking their true time invested in maintenance is where they perform the worst.Investors that hire PMCs are rarely any better at understanding the true amount of time maintenance takes.

I spoke with State Farm, but they require plumbing and electrical panel upgrades just to consider reviewing my application.

I only charge markup on maintenance if it's a larger project that requires more coordination, supervision of the work, and inspection after completion.