Have you confirmed that product is still being offered with the CU? 

@Tonye Jack Mathew Romeo out of Independence, Dan Foster foster construction and depending on your product size, @Colin Douthit

To me, when you pull them this way, it really doesn't matter which service you use because they all end up providing a similar product (i.e. the actual credit report). 

The best thing to do is verify costs expectations and projections with a management company that operates similar product in the area.

Although, calculating debit-to-income ratio stays the same --- I summed up how to figure your rental income in my earlier post.There are (or were before COVID-19) no-doc loan products but the interest rate is a few points higher which in this market isn't that bad. 

No low-down payment, owner-occupied options.Many commercial mortgages explicitly forbid owner occupancy.Bank will likely require 6-12 months of reserves.If you want to do turn-key, stick with 3- or 4-family properties where you can take advantage of all the mortgage products for home owners.

It is the single best retirement product available from a fee to return standpoint. 

The (c) exemption makes things a lot easier for individual sponsors who don't wish to set up a ton of compliance-related machinery for a marketplace and prefer to make use of vendor products to streamline the process. 

Nate, go to a commercial loan product at a small local lender, the underwriting is WAY easier than conventional.

I was wondering if anyone is sourcing any products online such as cabinets, countertops, floors, vanities, windows, etc.?