Keep in mind the some JP courts interpret it to be 5 business days and some just 5 days so you are looking at a deadline of next Monday or Tuesday. 

I know you said you are using the 4 square method however some people have different interpretations.

@Michael Henry I have to disagree, that interpretation of "understandable" is subjective to me.

Code of Federal Regulations defines who a "loan originator" is and states who is exempt from this status, "An employee of a manufactured home retailer who does not take a consumer credit application, offer or negotiate credit terms available from a creditor, or advise a consumer on credit terms (including rates, fees, and other costs) available from a creditor. (1026.36)" My interpretation of that is an employee can recommend financing, just not advertise any of the credit terms (again, which I never claimed).

One thing to always keep in mind with data collection is how to interpret the data.  

that could get you over the hurdle of 'proving out the deal' but again your lender still won't like this.sorry to be a downer but that's how I interpret the deal and problems you may facegood luck!

I'm paying a massive commission so that you can interpret (and help me articulate) my needs and deliver a highly personalized set of potential properties with your thoughts on how each of them may or may not completely satisfy them.  

My personal interpretation of BRRRR is to buy a property then rehab then do a cash out refi getting all money back what has been put in.

In part because I don't have enough information, as well as pricing and one's interpretation of expensive is subjective, I'll refrain from tossing out numbers.

You use their addendum and the only interpretation of their addendum that matters is how Fannie interprets it.