So I'm wondering if anyone else has had issues with their bank not knowing the Fannie Mae rules on seller paid closing costs?

I think you will find that most real estate rules don't apply in Southern CA and especially in highly sought after communities like Irvine.  

I believe it's CFPB 7/17/16 final rule, requirements are there.

It did not seem large enough to support that model.  

Keith -  MegaCorporations that are health insurers/hospital/family practice/everythings that gobble up a city and literally buy up all the doctors, change the insurance rules to screw everyone but themselves, and the paperwork...don't get me started.  

I've read that the 2+1 rule is unwritten law, but it seems like that's not a hard law anywhere.I have a 3 bedroom 1 bathroom property and had an applicant that wants to move in with 6 adults total and two children.

While the 1% rule seems to dominate our market pricing, many of our turnkey assets do much better. 

The economy is stagnant, and support stuff such as property management and handyman are not readily available on top of low quality tenants that comes with high churn.

Each bank has it's own rules, but if the LTV hits over 80% they could call it in, but I would not count on it as markets move over the season, so they likely need a larger move.

There are certainly going to be some tried and true elements, but we believe as technology, culture, etc. change that so may business structures and practices.With all of that said, as brokers and agents, what service, support, and features are most valuable and most attractive to you in where you choose to do business?