If you ask the manager to justify a fee and he starts hemming and hawing, move on or require them to remove the fee.

If the owner does not meet that residency requirement, another human being must be identified as the local agent in charge.

It is not something that you can access immediately, like same day.It usually requires 2 Business days to process loan request.

One thing though is that there are requirements coming into effect soon where wholesalers will need to get their license in PA for any properties that they wholesale, so you might want to look into that before it becomes official!  

In terms of selling a property, parts of Cleveland require a POS (Point of Sale) Inpsection, but I'm not too familiar with what all that entails.

First off, all high skill requiring items let's remove those.

If a bank does this, they have no flexibility in their lending and must meet Fannie Mae's and Freddie Mac's requirements in each loan.

., longer-term, amortized, require escrow, commonly modified b/c of prepayments, etc.)? 

Typically, if you have a mortgage, the mortgage company will collect taxes and insurance when you pay,  so there is not really any budgeting required for this.

Another must have requirement is to have positive cash flow.