If you already have low respect due to a pre-determined mindset, it's hard to approach the community with an even or reasonable keel.

I really think that this is not necessary (with all due respect @Jonathan Greene)The forum is great and works just fine IMO.

However, in private financing it is customary for the borrower to foot those costs.You can find each institution's registered account and arm's-length mortgage guidelines, and fees on their respective websites.

A professional manager can find qualified tenants who respect your home and handle day-to-day issues.

I have nothing but respect for landlords.

IME with due respect to architects they are not generally necessary for simple remodels.

They have median household incomes of 52k and 55k respectively.

In California and Florida there are two State run plans of last resort (Cal Fair and Citizens respectively) for the otherwise uninsurable; properties that private companies have already deemed too risky and are effectively subsidized by taxpayers.

Quote from @Daniel Samandarov: With all due respect you are a novice real estate investor that is upset and frustrated with the standard UW process and wants to blame us for your inability to provide docs and requested items correctly.

That being said, you could be the individual who helps identify this respective vendor.