I have small multifamily duplexes that I bullet proof with no carpet and usually 2 bedrooms.  

The are always multiple variables such as: are the gift funds involvedProperty typecondition of the propertyIs it ruralTitle seasoningReservesLTVWhat is the estimated DSCR ratioCitizenship status: Foreign National, ITIN, Citizen, Resident, permanent residenceDoes borrower have investor experience or notMortgage payment history called a VOM or proof of timely paymentsGift of equity or not100% gift funds or does borrower have at least 5% down payment and their own reserveshow many acres does the property have?

Here are a few suggestions on how you can maximize the wealth of information available: Check out the blogs and podcasts, or take advantage of the search feature (magnifying glass).

Usually, lenders will require a down payment or proof of other assets to ensure you have a vested interest in the property's success.

Glenshaw Glass Co SCOTUS case is on point here.  

It's not fool-proof of course but after years of doing this that's my best recommendation on how to find the best of anything real estate investor related. 

We were able to overcome it by providing proof that we paid, and were completely responsible for the loan and had recorded documentation to prove it (letter to lender attached below -  (side note this was for a VA loan so we used an agreement for sale in this case). 

I am very well insured and I have no problem with providing my management company with whatever proof of insurance they require.I am very pro-active about my insurance coverage on my sfh's and I am always watching out for any liability issues. 

3) why do they ask questions that they could research themselves in less than 10 seconds on Google or with the magnifying glass on BP?

For bullet point #1 I would do each rental property LLC the same as the state in which the property is located.