There's nothing wrong with the way you're doing it, it's just more time & labor intensive and expensive for everyone - and risks some applicants just going somewhere else.

I  am a mortgage banker... at least I passed the test.. but I don't work on that side of the table I only do private stuff when I do it.Dodd Frank came in after the crash.. so these are the new rules.. and as stated above..

So bottom line its investors falling on their knives not realizing how management intensive this asset class is.. 

I’ve been educating myself intensely for the past 2 weeks.

Take the course, take the additional review class, take the test immediately after.  

I researched analyzed tested, and came up with a plan, a GOOD plan and.... it worked!

Well my silly sausage muffin... try 3 months..I started in 2017 doing my own seo testing and developing my own all white hat SEO strategies...And .. well...check this out :The more I test the more I learn, the more test need to be done the more I learn the more I test... and the curve shows that.I get more and more and more traffic.With that comes more and more and more leads.SO blood...there is only ONE kind of marketing that will EVER be worth my time.

@Kelly Pierce There are 45 MLS listed MF properties in my market that meet or exceed the 1% test...folks are not considering historical trends and get nervous to buy.

I'd have to dig into your books for the past 25 years, taking cost on purchase dates into account to be sure, and probably neither you nor I are in the mood to make/have that happen.I've back tested all my funds, and to date, they're hitting 9-12% annualized, depending on the fund. 

The property had been vacant for ten years, took two years to rehab -- I wasn't surprised that a large family putting it to the test revealed a problem or two (nevermind the building passed every inspection, or that the contractors missed some basic stuff like no hot water running in the master bathtub.)