A lot of time and money goes into test preparation and licensing.

I have owned 3 brokerages and while the test is not super difficult..

I know they make marijuana smoke detectors as well as surface residue detection tests.

Its possible she sees some kind of weakness there for her to exploit and is testing the waters of what she can get. 

- Have you stress tested the deal to see how low vacancy could go to still pay your mortgage?

- Ah, so this is a question because I want asked for that reason but also to test the loan officer.  

-Jake Hey mate,These guys are the best IMO and have all stood the test of time:REI NationJWB Spartan InvestThere are others but don't know much about them.I have stalked the above 3 for many moons 👍Much success

In my test run of Tenant Turner, the salesperson quoted me the exact same capabilities, features, and cost as Showmojo.  

One piece of advice I would recommend if you want to go FHA is getting to understand the self sufficiency test for 3 and 4 unit buildings. https://www.newcastle.loans/mortgage-guide/fha-self-sufficie... 

The primary test used to determine whether an instrument is a security is the Howey Test, which originated from the Supreme Court case SEC v.