I heard but don't know the veracity of this claim, However FLA suffers from a lot of fraudulent claims there by also causing rates to be higher.. 

We are sending our prayers for those suffering up in LA.

Whats making you think rates wont go down after a couple years given the new administration in charge?

So the problem is you wont be able to source the down payment as coming from the seller (most likely), but you can certainly add as many junior lienholders as you like, after the fact.

i have seen many do very well getting on a team.Myself personally I would concentrate on listings 1000%  Buyers only if well knownand wont waste your time. 

I will not have a full time job until this comes, so I wont be able to show much income other than part time money flowing in, until I start this position.

I fairly positive that wont work, i have read that contacting mortgage brokers is the best way to go if you can find one.

Try to charge them and suffer the consequences.

Quote from @Ashley Mierez: Going into the new year my goal is make sure Im hitting all the points of a good deal so my investors wont have to think twice when I send something to them.

You definitely wont get an app like that for free, so how much would you be willing to pay to a company to submit it for you, vs spending 10 minutes once a month to submit taxes?