Does it have to be notarized or certified?  

I suspect this is due to either a better sales group, or the risk was simply adjust higher on the ones I went in. 

The PPP is only 3 years, so you'd have plenty of time to choose between years 4 and 10 if you wanted to refi or just pay if off before your first adjustment ever occurs.  

Notice may be given by: (A) regular mail; (B) certified mail, return receipt requested; (C) personal delivery to any resident; (D) personal delivery at the property to any occupant over 16 years old; (E) electronic mail delivery to the email address used by the Tenant to submit the lease application.

@Regina Bailey you can send the 5 day via certified mail.

So it will just be a minor adjustment to consumers in the states that didnt require this already.

You want someone self-certified to avoid delay from multidepartment review (there's a list of maybe 700 of these architects on the City site).

With your excellent credit and a solid down payment, they may be open to adjusting their rate, especially if they know you’re shopping around.Explore Non-Traditional Lenders: Some private or hard money lenders could offer lower rates for DSCR loans, particularly if the property cash flows well.

You may be able to utilize air dna projections, but, this will come at a rate adjustment usually versus long-term rent. 

In signing this Lease, Tenant agrees that Tenant has examined the Premises and certifies that it has not observed any pests in the Premises.