Inventory is up, transactions and mortgage applications are up, mortgage rates and prices are generally flat. 

Many will also handle the application process.2) Industry standard the way you are doing it.3) Word-of-Mouth from other agents4) Upwork is best5) Google competitors, many have their PMAs on their website.

Just because they make enough income doesn't mean their application is perfect.

I need to hire a broker to process the application (with supporting information), counsel me on useful amendments to the AIR form lease and get the lease signed.

Secondly, is it common to do a normal application fee for background and credit?

A borrower came to the bank, completed an application, we vetted the borrower, and agreed to make them a loan.

I use Turbo Tenant and have sent the application link to 20 or so people.

“Projections are frequently far too rosy and difficult for the consumers to understand.”Your description could be applicable to a 401k, 403b, 457, TSP, and so many other types of accounts that offer loans. 

Is your DSCR ratio greater than 1-meaning are you cash flowing (according to the lender's criteria of mortgage, property taxes and insurance (and HOA) if applicable).

You can also waive the application fee.