But the organization makes me feel they just have more and more lies after it.

Also, your tenant is lying to you. 

They say they are so willing to refund you for bad leads which is a Boldface Lie. 

You don't want to screw up your relationship with her before she even moves in.There is a risk she is lying.

Lying about your intent is mortgage fraud.

Hence why you folks always say “the math doesn’t lie, it comes out the same.”  

When I called them and asked for specifics as to what was wrong, the LIED about it and made something up when they never even inspected the dishwasher.Needless to say I moved my properties, but the Specialized brand is forever ruined for me and I would stay away.  

I hope this illustrates where your priorities should be when forming your lender relationships and easy underwriting does not necessarily mean the lender is “investor friendly”.An “investor friendly” lender isn’t just about easy approvals and quick closes—true value lies in the relationship.

The real value lies in understanding how to interpret this data and knowing the right questions.

Where the letters aren’t outright fraudulent and lies, they are misleading, with the person selling or giving the proof of funds letter to the unqualified wholesaler doing zero due diligence on the property and at best stating that, technically, funds could exist and or be set aside for the purchase of the property,The practice, when used this way is meant to mislead, and those who ask for, give out, or receive, proof of funds letters in this way are not welcome here on BiggerPockets.The right answer here is to qualify for a loan on the property personally, and show this to a seller, or to be straightforward with the seller that you are in no position to buy the property personally, but will be wholesaling it for them.