Then we can use national building codes instead of every locality putting a spin on stuff.Look at pre-fab housing, you only need a state cert on the interiors and the time to put those projects together is <50% of running to BDS (in Portland) and hoping you can get thru quick and not run afoul of neighborhood associations.Yes, neighborhood associations serve a purpose, but their main agenda is to freeze everything once they buy a house in the neighborhood.All I have to say is I've taken 6 out-of-state builders to BDS for a pre-app and I'm batting 1.000 - They all walked away.

Here is my spin on what I'm seeing from responses:  1.

Some lenders have their own spin on these documents. 

I would not spin your wheels trying to figure out all the backoffice calculations you think the bank might entertain.

Otherwise, you are spinning your wheels feeling productive... only the hard truth is... you aren't being productive. 

I think if you just say "REI guy" nobody will care, but if you spin the benefit, and don't emphasize REI it could definitely help.

You are spinning two wheels at the same time and both need to be properly paid attention to; deals and money.

Came across a deal today that has my head spinning.

You have to make sure the sellers numbers are accurate and that the finance terms you seek is reasonable and readily available for this type of property otherwise you could just be spinning your wheels getting nowhere and everyone wastes a lot of time and money.  

My brain is spinning with thoughts like, "I may not recover," but I am doing my best to manage this with tact.