Those willing to go beyond that could be good partners for real estate investors.Traditional banks/Local Banks and non-bank lenders - If they are a portfolio lender, meaning they actually hold on to the loan and don't just collect your payment, then they have the ability to be flexible.

Advanced QuickBooks ProAdvisor was introduced in 2007, to get certified the requirement was: one had to be certified for 3 years in a row and had to attend 2 day in person and online courses.

@Mario Morales - Personally, I would do some research in your target market and search (even it on zillow) for 2-4 family properties and see what agent(s) seem to transact the most in that space.

I do not personally use him based soley on the fact that the firm is virtual.

Personally, I would prefer to use the HELOC approach.

However, aside from that, I couldn’t find much information about them, and the only online presence seems to be the wife’s LinkedIn profile (though I’ve never met her in person and am just going off her profile picture on Zillow).After submitting the application through Zillow, we attached our income (two months of pay stubs for each of us from our current jobs), work references, credit and criminal background, rental history, and the contact info for our current landlord (who just so happens to be my fiancé’s father).

I have two books to recommend, one podcast, and then one more summit happening in person in May for syndication investors.

Then based on @Michael Baum's suggestion, I think I will have my cleaner and/or maintenance person do monthly/quarterly maintenance like using using enzyme based cleaners, grease fighting drain treatments and hot water flushing. 

The banks/credit unions said I needed 6 to 12 months of ownership to get refied. 

Personally CA scares me.