And if I as the consumer-facing LO was told that, and believed it, that means I've told it to consumers, and they will have believed it too.

I am also looking for a potential website or company that can find this information for me and help me speed up the process because thus far it is relatively time consuming locating the multifamily then finding the owners contact information, etc.

To be more upfront, it's extremely time-consuming and you'll face a lot of rejection, similar to that of any sales industry.

Short-term rental taxes, fees, licensing, HOA fees, commissions, cleaning, private financing, etc… can quickly consume cash flow.  

-The lender also required storm insurance which was harder to get than I thought, but made 50+ calls since only TWIA in Texas provides it, but they don't sell directly to consumer.

Hi there.I came across a few rental applocations where one spouse has >700 credit, and the other has low credit (610) or is in consumer proposal.

All you need is a real estate license.But seriously, real estate laws are put into place to protect consumers. 

If we are going to have an economy that relays on spending and consumption there won’t be many good jobs for unskilled people but the whole system is still dependent on everyone consuming.  

Try to develop relationships with business bankers at small local banks to see what criteria they look for in a deal.One other thing to note, is that even though it is possible to get a commercial loan on a house, many banks don’t like to bother with commercial loans on low dollar amounts as it is expensive and time consuming on both sides.

You may not know the difference of the great area but look at the photos, and try to stick with: kitchen is modern, has heat and air conditioning.More time consuming but also free: call a couple property managers in given city; US census detailsPaying: rentometer; rentguide; insurify;