The issues is time reviewing everything, we'll need all your documents and if we see a number wrong we can't go into the tax software to see what went wrong, it would be a lot of back and forth.

Lender 2 requires 6 months reserves. they want the borrower to document any large deposits and they want mortgage statements on any investment properties listed on the 1003.The point is different lenders do different things and it's important to not generalize as a broker, but interview the borrower, find their pain points and marry them with a lender that will minimize those pain points for a successful close. 

Thanks @Chris Seveney this brought some clarity to the documents I’ve been receiving lately. 

You would have ongoing filing requirements with the State and would need to keep business records and documentation.

Not why it is needed, but simply paperwork to document that it is a service animal.

Then to activate that you end up Docu Signing 3 different forms mostly containing the same information as if you are a new customer each document. 

Thanks It is not illegal for you to draft a document for your personal use.

What documents do they require, what credit scores do they allow, how do they verify previous rental history, etc.?

Typically we get a copy of their license / identification and pull credit etc after they sign a credit authorization form.Typically notarized documents are needed when recording them with a county, but for a contract it’s very rare to have contracts like a lease notarized.

I just received a package of documents from a lawyer I hired.