We quote based on the estimated FICO score you provide so if done right with accurately submitted numbers (property income, expenses, taxes) then the actual credit pull on loan app is the only way a rate would differ from the quote and term that is rate locked for underwriting or if the loan app is submitted in a large enough time window in which rates could have changed (we're in a dynamic rate environment so by the day and the week rates fluctuate). 

I recently applied and submitted all the required documents.

Are you using a pricing software? 

The 5 house package , I will show 5 houses within a 30 mile radius ( extrs $2 a mile past that ) submit up to 3 contracts .

I stopped buying in 2021 but when I was still actively submitting offers around 2019-2021 we were getting blown out by a wide margin.  

Reason I ask is one of them is two years behind on submitting their financials to the SEC and other required reports.

I have a handful of properties that are owner financed and I am looking for a better solution to managing the amortization schedules. I wanted to see what others were using? Would need to provide year end statements a...

They advertise as Lender but are selling another mentor program/software package (which seems to be Prop Stream with their branding on top).

For us it varies by market but in our primary market 15% plus a small monthly fee to help cover software costs etc if it's a lower gross property.That's full service, host doesn't have to worry about anything and can forget the property even exists if they want to.We do have tiered services where it's 10% (w/ no or lower monthly fee) if the owner wants us to only do one side of it (either manage bookings but not guests/cleanings/maintenance, or vice versa).25-30% used to be more normal but that's legacy pricing now, for a couple of reasons.1) Of course margins are much thinner for owners now that revenue has generally come down across the board from the peak, while home prices and interest rates have risen alongside that.2) Probably even more important, a simple supply/demand equation, particular to the case of increased supply. 

It introduces more steps and time to get that information, because you have to go directly from each listing agent, which is problematic is we're trying to work fast to submit an offer within a span of a few hours.The bigger hurdle for most of the country is getting buyers to sign an exclusive representation agreement to work with a buyer's agent.