Then you will want to start thinking about packaging loans in to bundles that will be held with one commercial note.

I recommend buying the ultimate package because it has some great videos, interviews and bonus content. 

For the time being, trust them, they are best equipped to know just what "facts" are b/w & c/c with their credit decision makers, subject of course to the fact that these "gray area" things are subject to change without notice depending on the prevailing winds internal to that institution, and subject to the fact that if you "ask ahead of time" underwriters are ALWAYS significantly more conservative than if you submit a full credit package through the normal standard full process ("better to ask forgiveness than permission").If curious, this sort of thing is why obsessive planner types always burn out in the mortgage industry within a year or two.

I have also learned it can be useful to look over various models for expenses of similar properties in order to include those elements in an analyses.

Most servicers quote 45-90 days for a decision once they have a complete package.

We live in an apartment building and recently our packages have been getting stolen.

Remembering to post area events, possibly even contacting trending local business's/ events and offering some package deals for combined unit + event tickets. 

They might be capable but they seem to be over selling you on their premium package to make money.

I am looking at a package of condos in Florida and I am wanting to know what you see everyone doing when it comes to the HOA Fees.

I have instant network of lenders, agents, familiarity with the territory, and other elements of a team.