If they do, you still have to take your state test and pass it.

Even the 1% rule / test / whatever is a dream.Your best bet is to throw out all rules of thumb like that and learn what the averages and norms are for the market and price range you're looking in.

Beta test is live for selected loans.Open the PDF, casually read through the 100+ pages at your leisure and own pace without an escrow officer and agent hovering over you.

I have tried and tested a few of the hard money lenders in Philly which provide "soft money" rates. 

I'm planning on throwing $500 at it to test the waters out in the coming months.

One of the three I tried was a company that does VA outbound calls exclusively and it seems they fit my calls in between their "big" clients so it took them a month to complete my test list of 100 numbers I had pre-screened.

Test the math of your plans with a few years of price reductions and/or stagnant inflation and see how it works and if you'd be OK.  

Good afternoon,I have clients that are currently interested in a triplex property and qualify without an issue but the property itself does not pass the FHA self-sufficiency test without one of the unit’s income, since it has to be owner occupied for FHA due to one of my clients having a foreclosure on their credit that won't be removed until March of next year.

I am studying for my real estate test because I thought it would be a good tool.

I am a fan of the incremental approach as it gives you a chance to test the impact on vacancies of the rent increases.