I'll be using these funds to get into some real estate deals I otherwise would not have been able to. I

For now, can you say a bit more about what those "few more hoops" are that you referred to? I

I've asked her to wait until I am done showing the room, but she said that she has the right to be there if she wants to. I

And the conclusion I've come to is... 

@Marty Johnston  who did you end up switching to? I

So you are correct, it is confusing but it really comes down to "is this person clearly a passive participant in the rental real estate".

I've also never BRRRR'd any of the properties either so if I absolutely had to, I could cash out and pay for the expenses that way.  

I am considering investing in or near Orlando, Florida, in a Single Family Property, below the median in a high demand area where there are lots of people moving to. I

What is always boils down to is risk profile, what is the experience of sponsor and LTV of asset.

I am taking a loan of $280,000 but for some reason, the lender I am talking to is charging me about $6800 of lender fees in the closing costs quote that he provided, along with other overpriced charges that I have not received when I got a previous loan from a different lender in California.