Where do you guys normally list your LO and SF properties?

With no funding fee.But you have the ability to do 20% down.The sweet spot here is to call your LO and ask about Conv 10% and Conv 15% down.

A new LO spends about the first 6-12 months un-learning all the incorrect info that she or he had to memorize to pass the test, that's why people get jammed up when they go with a call center for their mortgage, the last time I looked up the license of a "Senior Mortgage Adviser" at one of those places, they'd been licensed a whopping 4 months.

any LO will fill its pipeline and shoot a shotgun to the wall and see what stick.

The answer is because it wouldn't sell papers.Ot's not hard to comply with DF and still do LO's ethically. 

I have one for Market Analysis, Designing and sticking with your REI Plan (based on establishing financial goals), different ones for different types of strategies, like Sandwich LO, seller financing, using uncollateralized loans like "cash like objects", establishing the investment steps along the way ahead of time in multiple scenarios.   

If you plan to hold it long term and BRRR it, buying the rate down never pencils out.Also talk to your LO and make sure it will pass points and fees test. 

A little bit about my family and I - my wife and I and our LO live in what I would say is a class B/A neighborhood in Nassau County, Long Island.

You can wholesale lease options, where you put a LO under contract and sell the contract.

A reasonable LO will want you to have some "skin in the game" to go through that ($0 per hour) process of submitting it, you're basically asking them to count your willingness to provide ALL requested paperwork as that "skin."