Both by you to your banker, and then by that banker to the committee.   

I know a guy... he and his wife moved here from OOS for the BRRR and they also host our local BRRR committee.

It was just a hard no from the zoning committee given some restrictions.

It is easier to build a relationship with a local lender, and typically, the credit committee is only a few local people who actually live/work in the towns that you are investing in.

Commercial bankers in my (tertiary) market can often lend 500k, 750k, or even a million without going to a higher committee. 

If you end up with a property in the Arrowhead Woods area (one of the areas with lake rights), you'll have to deal with an architectural committee for any changes, including removal or trimming of trees.

The taxes will be used to employee a STR committee which will enforce the code.

I was on a State of CA steering committee in the mid 80s working on what to do with all these antiquated subdivisions through out america that if you used modern zoning and entitlement process's would never be approved.. the poster child was Lehigh acres and we have a big conference there with folks from all over the US.. 

Most banks have rules of the road that loan committee sets out and generally one of the major rules after the GFC is NO 100% financing and investors MUST have a down payment in cash..

Decision making by committee is not effective, particularly if the committee is filled with inexperienced people.What is the GPs' skin in the game?