It would help you to have a pre-approval loan letter that you can submit with your offer.  

Did everyone submit a lease for approval within ten days?

As a new investor, I’ve submitted a few posts trying to piece together my team of area professionals.

@Phillip Dwyer may be able to help but no realtor I know has time to submit a bunch of low ball offers.  

What I would recommend is to utilize an online application or paper application so that the tenant doesn't have to pay an application fee just to submit the application to you.  

The 37 day before foreclosure sale date to submit a loss mitigation application is long gone as well.

The UW will then counter the loan as an investment property and require 20-25% down or counter it as a second home with conventional financing with a min down of 10-20%.This is what will happen if a loan officer submits the file as suggested above.It would have to be a pretty rookie mistake by a loan officer (LO) though to submit a file with out the property explanation and documentation because it would not put your file in the best possible light and achieve what you've intended to achieve.Is it possible for her to get a primary residence ?

In most cases, you are correct in that you need to submit documents to the tenant within 21 days of them vacating the property, but there is a clause in sub-section (g) that states you must provide an itemized breakdown of all charges against a tenant's security deposit:"(g) (1) No later than 21 calendar days after the tenant has vacated the premises ... or not earlier than 60 calendar days prior to the expiration of a fixed-term lease..."

***Additionally, a mortgage broker that is able to take a tenant-buyer's option consideration that is paid to me (wholesale lease option deal), and either apply that consideration towards the TB's down payment when the exercise their right to purchase ORdiscount the price of the house.Typically the consideration goes through a third-party escrow account (my attorney's), and that helps with the above.Typically mortgage brokers who understand this type of situation will only submit financing applications to banks they have great relationships and won't have an issue with this type of thing.Thanks in advance!!

We added that we can review and submit changes just in case we find better insurance elsewhere or identify a gap or over coverage.