However any change could cause the lender to impose the "Due on Sale clause." 

Maybe casually mention it, but taking applications seems unnecessary.

The best thing about this business is that you don't have to worry how you look and you can always concentrate on your job without getting conscious of some unnecessary things.

HUD moratorium aside, many cities have imposed their own eviction moratoriums.

I think there are examples of when I feel title insurance is unnecessary:- Deeding a property from entity you own to another entity you own (aka: deeding a property from your name to a trust).- Recording a 1st trust deed for a sophisticated party that is short-term.

Using credit cards and 401K is taking on a lot of unnecessary risk because you likely have people around you in a better financial situation and their cost of money is much cheaper which could make the difference between a profitable flip and an unprofitable flip or a rental that cashflows and one that doesn't.  

Overall, my feel with SoFi is that they don't have a ton of seemingly unnecessary paperwork and delays and have a modern streamlined approach to lending money. 

The artificially imposed scarcity could easily cause a bubble. 

Beyond the usual public zoning hearing meeting where neighbors get to object to any change in the proposed property use and the board follows their desires normally, it also entailed actually purchasing a nearby lot and putting a parking easement on it so as to provide the parking imposed by the condemnation process.  

Understanding what was imposed and what was by design will help you make things to today and your market.So, read a few more chapters and see if it makes sense.