Hired general contractor to renovate the home

It highly depends on the rep you are working with and the mortgage broker's willingness to understand the lender's guidelines prior to submission.

Do either you or your spouse qualify for REPS?

The short version is this:  If you're willing to pay (considerably) more for the security of guaranteed rent, they are probably worth hiring.

Starting smaller might help you gain confidence and reduce potential stress.In your situation, if you're comfortable hiring a property manager to handle day-to-day operations while you’re working in the oilfields, going for the 4-plex could make more sense, especially with your high income.

My first thought was to review my buyer’s rep agreement and I have requested a copy from both parties.

Hello Tyler, As accountants who specialize in STR and REPS, we cant promote ourselves directly on BP as its against the forum rules.

No help from what supposed to be "the school" they have ignored me and I had to hire a lawyer.

Proper is a rep for Lloyd's of London.

It's better to hire someone else to handle this, but that doesn't seem feasible because you don't decide what should or shouldn't be done if the budget is less than $500.