I corresponded with her so more and found even more discrepancies. 

If there are any discrepancies in the above checks we either discard the application or will go for a double security deposit, but you, as the owner, would make the final decision.We check with previous landlords which can be a daunting task.We require proof of income(pay stubs for 2 months, etc).We don't typically send you all of the details on a client, but we send snapshots of the issues we see..DK(Tenants initials) Credit score of 549

I think the discrepancy is that they define principal residence as a property that will be occupied by the borrower for the majority of the calendar year (4155.1 4.b.2.a).

There seems to be a wide discrepancy between the estimate and actual value of real property in many cases. 

I'm not sure a lender would benefit financially from artificially raising the interest rate or if they even can but I feel like I have to bring it up and see what they say about the discrepancy.  

I find in my area a big discrepancy between asking prices for multi family and the prices that they actually sell.Personally I rarely buy off the MLS I would guess less than 5% of the properties I acquire are from the MLS.

. ;)For an unfinished basement that isn't going to be lived in then black should hide discrepancies very nicely.

Obviously you are going to increase the purchase price and the monthly payment for your spread but this way the seller and the buyer never know that their is any price discrepency until closing and by that time it doesn't matter because the process is already in motion.

Here in Bridgeport there’s often many discrepancies between sellers proforma numbers and what’s real. 

5% with a cost of $500 is a GREAT rate in todays market for a NOO multi unit.To clear up some of the LTV questions going around regarding SFR & multi-units, here is what Fannie Mae guidelines state:Non owner occupied purchase 1 unit  - MAX LTV is 85% Non owner occupied purchase 2-4 unit - MAX LTV is 75%Owner occupied purchase (2 units) - MAX LTV 85%Owner occupied purchase (4 units) - MAX LTV 75%Cash out refinance on 2-4 unit NOO property - MAX LTV 70%Cash out refinance on NOO 1 unit property - MAX LTV 75%Cash out refinance on OO 1 unit property - MAX LTV 80%Cash out refinance on OO 2-4 unit property - MAX LTV 75%In regards to the questions about the discrepancy in rates, their is a difference when you use an "online bank or lender" vs. a mortgage loan originator.