As I understand, landlords there cannot charge application fees, security deposits and evictions are VERY challenging.Have communicated with several PMCs and investors in Ohio market and not aware of any real differences from Michigan. 

Unlike banks, which offer limited loan options, brokers have access to a wide network of lenders, including niche and non-traditional financing sources.Here’s what they do:Assess your financial situation to determine your borrowing power.Compare multiple loan products to find the most favorable terms.Negotiate rates and terms with lenders on your behalf.Guide you through the application process, ensuring you meet all requirements.Example: Suppose you have a lower credit score or unconventional income sources.

The only example I can think of is that I asked an applicant questions about their credit report.

Before finalizing a decision to sell, I thought I’d get some thoughts from the BP forumThe only obvious factor I know to try to head off a problem is to carefully screen applicants.

The VA Underwriting Guide says this:Verification: Rental of the Property Applicant Occupied Prior to the New Loan:Obtain a copy of the rental agreement on the property, if any.Use the prospective rental income only to offset the mortgage payment on the rental property and only if there is no indication that the property will be difficult to rent.

If you choose to play with fire, that is your perogative.For your reference, here is a good primer.Here is the key paragraph:Rental discrimination is when a landlord or property manager treats an applicant differently based on the applicant’s inclusion in a protected class.

In the program, it appears that you offer a Pre-Loan Application-- perhaps this is how the program is legal?

His "owner occupied" loan application is ok if he intended to live there when he applied.

I  tried several time to request application to get my money back but never got it. 

Keyword "IF", as in if they choose to or if is even applicable or happens.