Home mortgage is $3700/month and $500/month extra payment towards the principal.

Basic staging with an agent usually means they give you insight into how you should:Declutter and depersonalize by removing photos and personal itemsArrange your furniture to improve the room’s flow and make it feel biggerAdd plants, move art, or re-arrange other accessoriesFull-service staging is another option if your house needs more hands-on attention.

Now a "Foriegn National Mortgage" has similarities to those mortgage types but you will pay a higher interest rate and be required to have a higher downpayment as well (usually about 35% down). 

As easy as this sounds, it's not simple and usually like pulling teeth.

Others investors drive extra ROI by thing like ability to reposition property for greater profitability and or less risk; ability to rehab property at less cost, ability to identify areas where gentrification is likely to occur, etc. 

They like extra room to avoid accidents, etc....Just my $0.02....

Weekends for a lot of people are usually tied up with kids sports, family functions and trips.

The credit committee is usually made up of local people who are familiar with the market they are in.

(Compared to the usual 30-40 year path.) do they think people with a million or millions in stock just got there?

Not being able to rent out units usually just means the price is too high for the market.