Indeed, no offense, and I'm not easily offended.

I hope this doesn't come across as offensive to anyone as I do not want to be judgemental but the applicant even had to have the co-applicant spot her the 20$ for the application fee.

'Net30' accounts from companies like Grainger, Gemplers, Quill, Wright Express or Global Industrial.

No offense, but the reason that agents will typically not give out lockbox codes is because there are others who will not respect the privacy of that code and pass it along to unknown or unauthorized persons, or return to the property unannounced and enter the home.

Lenders will look at global debt load and cash flow when they see common ownership.Have you stress-tested your scenario? 

It could help burst bubble prices at some local markets and push prices in other areas that are nice to live but where salaries and work opportunities are not so good.I hope working remotely becomes a global trend.

I already get a bunch of calls I don't want, so that is probably the most appreciated thing you said...no offense to the rest. 

We verbally pre-screen them to make sure they don't have evictions or sex offenses or too low of income.

Also, as someone else said above, it could be that they're denying you for a different reason but not telling you the right reason (it could be possible they're denying just because you have restaurants in your global financials, which banks can sometimes view as being "too risky."

The American stock market volatility and Global trade war were the canaries that already have me leaning back waiting for a 25-40% drop in real estate values across the country.