If they aren't charging a pre-disclosed & agreed upon Markup - they are probably hiding something to make money for their time.Good luck!

Myers Market Update Feb 2024 (biggerpockets.com)

They will have some questions and ultimately you can get pre qualified. 

From what you wrote it sounds like the rental you own is your sole, pre-marital property.

I thought I was buying at top of the market in 2020...and 2022...but prices continue to remain high. 

@Alan Robert Litz Yep I’m planning to live in the property, I’ve already been pre approved and talked with 2 lenders.

Lowering the credit score threshold slightly could widen your pool while still screening responsibly.Also, ensure your pre-screener is clear and easy to access—unanswered inquiries suggest it may need adjustment.

I assume you currently have a residential mortgage that does not have a pre-payment penalty.

No problem with down payment but will need conventional load which is not a problem as I have been pre approved many times just did not find right property.

I was running an sms campaign through an overseas assistant, but I've been researching AI sms marketing platforms that actually handle conversations from beginning to end, qualifying and disqualifying leads.