From there, I hand wrote letters to distressed owners of properties, and did some fix and flips. 

Please feel free to reach out and message me directly on BiggerPockets with any questions you may have about the industry or how a loan officer mixes into the equation.

whatever you think the IRS will acceptAnd although nobody brings us shoeboxes with receipts anymore, your set of bank statements where your personal expenses are mixed with your business expenses is not helping, either.

This amount is fully refundable for any reason if you do not execute a loan commitment with us and you request in writing within thirty(30) days of the date of this letter the return of the $10,000.signing of the loan commitment, a commitment fee equal to five percent (5%) of the Financing Request is due; three percent (3%) would be payable at the signing, and the remainder would be payable from the loan proceeds at closing.

Ignorance of lead paint presence doesn’t exempt you—you must have a compliance letter to avoid strict liability.If you rent to a couple or a single woman and she becomes pregnant, the law requires you to delead the unit.

Off market deal --> send a letter to the landlord who owns the house outside their state. 

There should be mixed use/commercial options if that is the problem.

Even if you go DSCR where they lend to the LLC, they are going to ask for articles of incorporation, EIN assignment letter, operating agreement, and sometimes a certificate of status as well. 

How about Mixed Use zoning?

Then got a letter to return the deed and they would refund since the original sale was invalid.