Most guidelines state minimum 1 year but in practice when these applications come in I've seen that 6-12 months with a reasonable explanation can be done easily.Now some times in rare instances with exception I've seen buyers get approved even under 6 months.

Ask him whether there's another explanation for it - and "company policy" doesn't cut it.If there's no reasonable cause for that fee, tell him you're not paying it. 

From a liability perspective in Florida, it's advantageous to have a limited liability company own the property, especially considering that you are getting into the real estate business and intend to acquire numerous properties. 

Thank you very much for the detailed explanation and the warm welcome!

Thank you the explanation that helped.

I would focus on finding one that is investment focused and a broker who can shop numerous lender platforms for you.

For anyone who is interested in reviewing their insurance asset protection or speaking with an insurance broker who works with numerous investor clients, I would be more than happy to help anyone who is interested in speaking with you. 

Thank you for that explanation.

., but need to add a field to your application which says: If you would like to provide an explanation, context or history of resolution for any negative information in your credit, rental or personal history please do so here and continue on another page if necessary.

That is a very helpful explanation.