The intention is to minimize errors and thus save developers money.

However, that was a fluke.Warranty companies are in the business of making money.

You think working harder equals making more money.

I know you don't have money for a downpayment yet, but when you do, rent out rooms or buy a duplex or triplex and live in one side and rent out the others.  

You can make a lot of money, but be warned, a large % of Section 8 tenants are complete savages.

Plus, that is the cheapest that money will ever be for you.  2.65% interest rate? 

I also updated our initial contact letter to explain that it's in their best interest for us to do the pre-qualification so inquiries don't waste time or money driving out to the property and/or completing an application when they won't qualify anyway.

Also DSCR typically has pre payment penalty while hard money does not. 

COC will make you money now and appreciation will make you wealthy!

Me and a few folks I met at a mastermind group all went in on a joint account a few years back so we could save money.