Of course he's affiliated with an "LLC creation company" which he directs his followers toward to be charged way too much for services they don't need. 

Even if you create a non-CA LLC, if you are managing the business from California, you will likely be deemed to be "doing business" in California and therefore likely subject to CA taxes.

It depends on the lender but at a min they must follow TX SML or lending laws in the state in order to compliantly lend in TX, on whether choose to apply this guideline to all types of occupancies or transaction types (non owner investment, second homes/primary residences, etc)80-85LTV on rental properties is only on the purchase for fannie/freddie loans but on rate term refinances its max 80% and cash out max 75% for 1 unit and up to 70% for 2-4 unit cash out conventional.On HELOC's and rentals are up to 70-75% depending on the HELOC investor or product.Its good to distinguish between what the lenders are willing to do and for which product and also these loan products must abide my state law as well as an additiona layer of "overlays," on top as well (whichever is worst / most conservative).

If they don't, give them a 7-day non-curable.

These are some good ones to check out Guidant Financial, known for its quick setup times and dedicated supportFranFund, which offers streamlined processes and excellent customer service.

I've seen people on FB advertise cold calling services which seems interesting.

There is a contract that is signed.These are "quick" transactions, within days, that the borrower (Subto student) needs "immediately" to provide a non refundable emd, for a Subto transaction.

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Of course, it would need to be non-owner occupied (investment property).   

These can be further broken down into lender closing costs and third party closing costs.Thelender closing costs can include underwriting fee, processing fee, funding fee, origination fee, credit report fee, and tax service fee among others.