I very seldom seek broker lender's loan programs as I know there are many "wanna be" lenders out in social media, so I go to other reliable websites, I look for reviews and if I don't find any reviews then I just move on.

KO  It's always time for popcorn.I'm starting a new program. 

There are a number of landlords that will not accept because they have a stigma about the recipients or they don't undertand how the program works. 

You do have other programs like DSCR that do not look or require income or look at DTI.

It's a great jobs program for attorneys, accountants, and QIs like us.  

The do not call provisions of the TSR cover any plan, program or campaign to sell goods or services through interstate phone calls.

In terms of finding local lenders, it depends on what you are looking for, whether you are looking for a specific program, conventional financing or a one-stop shop.

If you are W2 going to 1099 SE (Self employed) then not for 12 months using bank statement loan or a (1 year) 1099 program.

They don't have too much info on their programs

Try this device to measure the noise: https://www.amazon.com/Indicator-30-130dBA-Detector-Temperat...You can also stick the same device by windows and doors to see if temperature drop - which would indicate an insulation issue.In addition to getting an Energy Audit, you may also want to look into any state, local or utility programs that offer discounted or financed energy improvement programs.