So you might as well be a head of the game do the cash out refinance buy the next 1-2 properties and simply refinance the original mortgage as a "rate and term" which carries a lower rate.

Is there some reason that you or the company simply don't discuss what happened and use this as an opportunity to turn a negative post into a positive one for the company?  

All other countries I have looked at, require this. 

You can put a mortgage into a "trust: without triggering a due on sale but again contacting your bank/lender is the best route to avoid any issues.Some banks/lenders or servicing companies change guidelines and even a trust may require other paperwork but the attorney usually facilitates that to be safe.  

There are some home loan options that require as little as 3.5% or even 0% down.

@Fareen E. as long as you don't violate Fair Housing and are CONSISTENT, you can do whatever.If you require an ID from EVERYONE, you are safe.

The term curb appeal is simply referring to the home's exterior being appealing, which doesn't have anything to do with plants or pots or items directly.

As for income verification, I require the applicants two most recent paystubs and if self employed I need their most recent tax return.

It is more complex and has added requirements such as a formal set of books just like a corporation. 

I’d simply ask in what situations where the broker and the brokers firm did nothing to facilitate the sale do you think you should get paid a commission?