I have to get a shower and a small kitchen area put in downstairs before they can truly be 2 independent units.

I can potentially connect you or find you deals independently.

That is a common bank overlay, specific to many banks.Call an independent mortgage broker in your state.

I’m not sure which company it is, but I’d highly suggest getting in touch with an independent insurance agent. 

I have an office next to one of the largest real estate agency's in Quebec (independent) and see the struggles they go through daily.

The statistic is that 90% of the cars on American roads today are financed.

Realize that many, many people simply died at home and were cremated (the crematoria were running 24/7 at top capacity for a couple of months, with the cause of death as "died at home")  Those deaths may not be included in these statistics. 

Any watch-outs, pointers etc.Also, are there any statistics on the number of properties which actually have the deed transferred to the lien holder due to the owner not paying off the tax bill (plus interest) before the redemption period expires (1 year)?

Each person needs to look at their scenario independent of the answers given.

What are the pros and cons of pulling an application with a larger bank versus an independent lender?