The county court provided the forms and tolerated pro per submissions.

If you think large companies that do charge a smaller fee between $200-$500 for loan submission is a scam then LendingHome is up there on the list.

HML simply are not going to take that kind of risk .. they don't need to..And since DHM is putting up majority of the money I think you still need to pay the 3k to be in the so called 100% loan category they are ( and rightfully so) going to be uber cautious and picky of the deals you submit to them.. that is were I have seen newer investors ( those that tend to be cash strapped) have a difficult time finding something that meets the underwriting criteria.. so they go through the 3k.. they go through submission and at least what we see here feedback on BP  they never can find a deal that fits the box..  

Make sure your lender knows these rules intimately upfront so you can preplan things such as proactively reviewing lease agreements and working in advance of submission of the file.

Those submission forms will tell you what you need in terms of the scope of work for each of the studies. 

Allowing for submission through the portal is also common.  

The main value to me would be the networking with other Big Dogs, as they condition their Big Dogs to not engage with non-Big Dogs, but it’s not worth $50K to me for the “privilege” of networking with others.Details: The following submission is based on me and my fiancee’s observations and experiences for Phil’s Big Live Event on Dec 1-3, 2017.

Jason as a follow up.what I see with these companies like Do hardmoney that promise no money into the deals is their return  expecations can rarely be met .. just look at all the do hardmoney clients that post on this site looking for 100% financing pay the 3k up front and never get a deal funded becsasue they turn them down as not meeting their lending criteria  and they charge a submission fee for each turn down.. its a money making thing for the lender for sure.I suspect you will not find most if not all that charge large up front fee's make 95% of their money on the fee's  LOL.... 

I love the low commission, direct deposit, easy packet submission (either email pdf documents or use dotloop), broker support, agent referrals, etc...  

In Ohio we don't have any requirement to select a qualified candidate based on application submission date/time.