These are people who encounter real estate all the time and might be good sources of off-market deals.

Have you encountered any other hurdles?

(Their full package is over $1,000)  Makes absolutely no sense at all. 

Shall I just ask her to send the bylaws and HOA rules or shall I ask her to order the resale package to send me?

After receiving the package in the mail, I looked through the information, I ended up not sending it back and I paid for it. 

If this is a 1-4 family house that will be fully rented there are two ways companies insure them, in Personal insurance they use a Dwelling Fire form and in Commercial Insurance they use a Business-owners or Package policy. 

They have three packages and I was leaning toward the Gold one. 

I have prepared scopes of work for our subcontracts, and being the detail-oriented person I am, I have prepared a detailed outline of this project with materials requirements were applicable, and I have created a package of design drawings for the kitchen renovation.

I want to buy a package of 12 more properties for 160k so I need at least 200-300k loan to get started.

From my experience, there is an acceleration clause in your lender's mortgage package stating if they find out you're sub-2ing your house, they will call the loan due.