It's quite interested because Bilt has provided her with a bank account and routing number, so she's only charged for an ACH transaction.

Honestly, get on-line and read, buy a book, or talk to a knowledgeable person and you will be further ahead.  

The second: Specialized Real Estate Attorneys- This has been a huge challenge for me since most attorneys I reach out to either work for major banks or charge prices that just don't work for acquiring up to 5 properties a year.

For STR, this is not really an issue, as most STR's 3x the LTR rental income.Also, curious as to why you would want to go Conventional and impact your personal DTI, vs. just going DSCR?

(To find your return and if you could do as well/better with a simple bank cd.)

I personally have each of my properties setup in their own LLCs (no biz license required where I am at) and then have a personal liability policy to cover myself as an individual in case someone got through the LLC wall.

We just got disinterested after that due to our distance away and lack of being able to search for property in person.

My own personal portfolio is in Sacramento, and I'm continuing to buy.

They certainly would be ok with you going to another bank and borrowing $450k.

Seems like it will be hard to add multiple properties to a portfolio a year when you have to wait so long in order for a bank to work with you.