Those numbers are arbitrary unlike taxes and insurance and they vary based on age, condition, area, landscape, PM, and other things.

Because this clause wasn't in the lease agreement,You hear these kinds of excuses and explanations (vary by circumstances) everywhere you go nowadays.We're becoming a nation where the Law is subject to personal excuses by indviduals that aren't suposed to interpret laws.

Lender portals vary greatly as well.

I they accepted an offer of $118K from my brother but since he couldn't get the loan, we're starting over.

Cash out should be used as a 12-24 month loan so that you can buy another property and pull cash out at the next 12th or 24th month mark.At that point you take a portion to pay off or down the first loan and use the rest as a down payment on the next REI.

Every customer is assigned to a group of team members there and I imagine each team varies slightly in quality given the human element!

You can also see total loan exposure, every loan ever pulled, every property ever owed, every co-signing partner from every project, permits, etc... 

Most lenders I work with would lend you 70%-75% of the value of the property, but only so much that your NOI/profit is 20%-25% of the monthly loan payment.

100% VA loan, which allowed me to put money saved towards renovations.How did you add value to the deal?

Early in my career I worked on cattle ranches, then started doing farm and ranch loans for seven years, and now have been doing hard money lending and other real estate investing.