I've been trying not to reply to so many posts about this, but also need to watch out for rookies to save them from losses.The other thing I don't like is that so many folks interested in this usually have very little extra capital and could lose some or all of their "extra" capital on a bad wholesale deal if they made one mistake. 

In some places you can request an oral presentation.

I've seen some recent articles indicating that Booking.com is trying to compete more against Airbnb. Currently our primary source of bookings is Airbnb, followed by VRBO. Earlier this year, we were also posted on Book...

This question is definitely very location dependent - licensing across state-lines is a tricky thing to navigate so depending on the size of the lender they may operate in one metropolis or all over the country.

@Andrew C.I have the same questions about it as well.. for example, you now have say 5 leases that likely are all for different date ranges/terms and deposits etc. do you do all males or all females together - I'm assuming this depends on the state you're in?

That said, there are alternative ways to meet the requirements, and with proper planning, you might not need to rely on these specific tests if most or all of the participation comes from you during the first year.

@Tina ArtigliereWas it just you or all 401k’s?

If so, I anticipate that the other two tenants may ask the one responsible for the bedroom above to pay for most or all of the costs, which may be financially burdensome for that tenant.While I have the plumber’s report confirming that the pipes are fine, I do not have definitive evidence that the leak was caused by the tenant’s actions.

@Alan Asriants Since you already received your decision,  I assume you selected the non oral hearing option?

Find one where the govt pays most or all.