I would love to to know of any local meet ups.

You need the neighbor notification letter (within this letter there are three things to do), special inspection for underpinning (another two forms to fill), construction estimate, DC Water form to reuse the existing water meter and service line (if you add too many fixtures and you don't have a 1" meter you may have to upsize which then will require submitting more plans to DC Water), possibly an energy verification sheet (if there is an addition), a zoning data form, and a plat that is requested from the surveyor's office showing the existing structure and any proposed work. 

That is not to say you won't get past deals where documents were collected, such as pay stubs, employment or a deposit verification or supporting documentation along with closing documents.

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My mortgage broker called me to let me know our FHA loan for the home we just bought 2 months ago for ourselves is under audit so more documentation might be requested, and my insurance carrier wanted verification that I moved in within 30 days of closing, so lots of people checking up on us to make sure we moved in.

Someone, somewhere has to to be the first sale in an area that has been hard hit by foreclosures and we are going to be relying on appraisers to protect lenders exposure to fraud, while also helping to raise values to what buyers are willing to pay.

USPS tell you to address as such:123 main streat #5678Smallville, ZZ 01234-5678This address will not resolve with the address verification softwares from mailer and even from the USPS website!!!

What I don't understand is how they obtained property with no credit and income verification (I obviously don't know the whole background but the basic storyline was they saved cash working menial jobs) was lending that much easier back then (40 years ago) I dream of one day owning multiple properties and I feel like I have the resources (good paying job) but it seems SO intimidating today (especially in a big city think San Fran /ny where you can barely get a studio for 500k)  am I  missing something ? 

It's unfair to to knock the employees at Pinnacle because there is a good chance they didn't know what was going on.

If I add to it, I check with my attorney or get online verification that it is legal in my state.