I guess I would start by asking the LO what the best ways are to communicate with them, what times they are available and for them to lay out the entire process for you - one day for preapproval, three days for loan submission, five days for underwriting, seven days for appraisal, etc.People typically find the LO most responsive up to the point your loan is submitted.

Hello, i am quite new in REI, and i am interested in Wholesaling and L/O.

Lo, I ponder why he gave up when I had the will to persevere.

4th, I'm not sure where to begin here since, as I stated in #3, your description doesn't have anything to do with a L/O.5th, each property needs to be a separate agreement, and each agreement should actually be 2 separate agreements...the lease agreement and the Option agreement.6th, there's no mention of any Option Consideration...or option price for that matter.7th, a 15 year agreement? 

Small downpmt (LO fee) paid, monthly pmts for a 5 year term. 

As a successful realtor, what ways can an LO make your life easier and/or add value to your business?

As long as the LO/lender knows what they are doing.Ok time for some next level stuff...Strategically, if you are looking to house hack several properties, there ABSOLUTELY is an order in which you should utilize your financing, so that you don't get stuck. 

I guess the bigger question is why the LO did not know the income was not going to qualify earlier then 3 days before closing.

Thomas Miller -- RE Agent -- zillow.com/profile/gtmiller0 Jason Zamoiski -- Mortgage Broker -- Spoke with the Seller to convince them I was someone worth going with, beat out higher other offers due to this -- atlanticcoastmortgage.com/lo/jason-zamoiski/

You should be approved for a much higher price on a 2-unit than a SFD, and then higher on a 3, and even higher on a 4.Sounds like you need to get that part in order first, you might be making a terrible mistake because of an idiot LO that didn't preapprove you properly.Best of luck!