And clients won’t miss the current system.I think you're engine is fueled on 98% assumption and 2% fact in this regard. 

There is also algorithm advantageous to bi-weekly vs monthly, so a bit of a credit-hack boost effect to it. 

@Ryan LudwickStart your real estate investment journey by leveraging engineering skills to analyze markets, spot trends, and build a team.

Quote from @Brent Thomas:@Adam Reilly I would assume you are civil engineer based on this last response.

I am surprised these lending institutions don't regularly run algorithms showing which loans have been assumed Seems like an relatively easy thing to do to regulate and in a way minimize risk - maybe have more defaults but still maximize their loans by forcing compliance 

Make sure your plans are engineered from someone reputable (don't trust the builder's guy unless you can verify their trustworthiness). 

I would probably find another engineer.

Our engineering team finishes in roughly 2-3 weeks with no major modifications required to our initial architectural plan.

Now there was no mention of the engineered plans requirement for the 12+ requirement to my recollection, so I do call foul there. 

I work remotely as a software engineer, I currently make $105k / year.