For what it's worth, some ideas I've seen pitched are grocery bundles (e.g. a breakfast bundle for 2-4 people with eggs, bacon, bagels, cream cheese, and OJ all pre-stocked in the fridge), meal kits, a pre-stocked drink fridge, charcuterie boards, premium coffee selection, bike/e-bike/scooter/kayak/canoe rentals, video game consoles, upgraded work-from-home office amenities (e.g. oversized computer monitor), etc.I'm not a lawyer, but cocktail kits, bottles of wine, local craft beer, and other alcoholic items seem like they would fall into a grey area from liability perspective. 

Hi I am looking to incorporate a real estate software that manages multiple transactions for a 14 person real estate team in NJ.   

An FHA mortgage will not have a pre payment penalty.

This makes no sense to me as mission beach should have zero limit as it has been a vacation destination with STRs pre AirBnB (including ours).  

The problem is most loan officers will not know this up front because they fail to do a "pre-underwrite" and get a "Loan commitment" versus a pre-approval letter.regardless of you using your own money they will "Not" use the higher appraisal value they must go off of the legal sales contract.

Having a Pre-approval letter or better yet a loan commitment and a Banker to call and reassure the sellers agent you can close in 30 days or less also offers a huge advantage.In this market using a DPA is not a bad idea since rates are high and when they drop you simply refinance for a lower rate and payment. 

My properties acquired in pre-2013 are doing well and they kind of fell in my lap.

Has anyone had good or bad results from trying out credit report and score businesses that aim to improve credit and help in the journey to gaining a pre approval for a mortgage?

To use it, understand occupancy requirements, work with a VA-Savvy agent, get pre-approved, consider multi-family properties, and leverage VA loan limits.

A lot of them have pre payment penalties, significant points, of course interest only etc.