And are these criteria lists for me to create as I feel fit?

With the supply shortage of great houses, you'll have to put more down to create that intrinsic property.Very rarely are physical assets, especially infrastructure, intrinsic from day 1 at the highest leverage available.

@Nathaniel Dean Morrisoni'm still not sure I'm following you, but if you're asking - should you use extra cash to put more money down on a house, and/or use extra cash to lower the rate - those are pretty personal choices so you have to decide what's right for you and what fits your budget. 

The free moving van is genius and fits perfectly the "helpful realtor" motto. 

It shows that you have done your homework, even if it doesn't fit their needs.If you get something on paper and want feedback, please share it here.

It might be a good idea to test it out while it's free to see if it's a good fit for you.It is clear to me that JP Morgan is very focused on developing a strong product to compete with other property management systems because they have taken all of my feedback seriously, and implemented many of my suggested revisions.

Its purpose is to determine whether there's a good fit between what you need and what they offer.

5+ units DSCR or commercial mortgages. each one is used for different things. really matters purchase price. location of property and your physical location. dscr looks at the property and your credit score. commercial bank looks at you and the property. tax returns, w2s DTI. then the property needs to cash flow enough for them. dscr is a bit more lax but higher rate.

No issues with @Costin I. deciding Steadily wasn't your best fit but you're painting with a very broad brush to say their insurance is only for total losses or that they're systematically over-insuring their properties to keep deductibles high. 

These include (but are not limited to);a. a drop dead date for her to refinance and take you off the mortgage (5 years, whatever);b. trigger events for her to refinance regardless of date (birth of child, remarriage, failure to maintain the house physically, cease using house as primary residence, failure to pay insurance or property taxes, no "subject to" sales and etc., etc).and no doubt a host of other things.Then there's your remedy if she fails to keep her end of the bargain, including who gets appreciation, right to possess or maintain, etc.Your credit score is far down the list of concerns