Our office signed the contract and they got the permit and replaced the drain field.

Your Lender My suggestion to find #2 & #4 would be to go to the top of this page and click on AGENTS & LENDERS.There you will be asked your criteria and then after answering a few questions you will be matched with 3-5 agents or loan officers in your area.

@Dylan Jeluso see if you can join a team in your real estate office to gain experience.

I am in retail space not office so just check around.

Dennis' dad and I actually tripped over something similar back in Chandler.. we learned to tap into city planning websites and even call the permit offices directly to get a real sense of their backlogs.

Almost nobody that wants a 3-bedroom has only one car, except the occasional single parent with small children, or solo professional that wants a home office and guest bedroom. 

Escrow Officer or Title Rep6.

Given many are returning to offices, would Austin still be a good market to invest and own?  

These are multiple assets of all sorts of things, retail, houses, condos, office. 

Sounds like you are getting hit with a lender who has overlays and possibly miscommunication between the loan officer/processor to the underwriter.