Successful Real estate professionals have their own Mortgage lender LO cross verify the buyer's ability to close on a loan before going into contract. 

This is what we are seeing on private LO-only facebook groups, places where you gotta show your license to join the group.... discussion after discussion just like this. 

As soon as you start hearing a client use bigger pockets type terms, like "house hacking" or "brrrr" or "1% rule," you want them with a LO on biggerpockets.com, no one else knows or uses this peculiar vocabulary, ideally you want everyone speaking the same language.

In California (& I am told this is state specific but have never had reason to double check that, since I'm a one-state LO), Section 1 of the termite report needs to be cleared for it to go VA.This typically means a freshly fixed up property OR a seller that's willing to make what would be considered a steep concession on a 2-4 unit transaction.

Most common: If the appraisal comes in higher or lower than whatever the LO typed in when she originated it, that means the LTV changed.

Short term vs long term are 2 totally different strategies, and any rockstar LO should be examining all this with you. 

HML will want to be paid though so creative financing would only work with their blessing.. if you refi the LO  rent to own etc comes into play.. but most HML are just going to say drop the price and pay us off sorry it did not work

The former may lead to one deal dead but the latter may lead to all future deals dead (with that lender).I'd recommend a chat with your LO about this. 

If it doesn't, well, at some point we have to find another solution.See if your LO does something like that. 

If you qualify with just rents that's an option as well so have your LO look over that possibility.