Just not a practicle situation yet.Go to a local REI meeting, find another investor and keep your friends identity to yourself as well as what it's to be used for, not that many in that business.

Oddly enough the place is almost identical to the property I own, just in a different area.

Postage for verifications and paying UPS or FEDX to overnight a loan package to the funding lender.

I've also had to do a phone verification several times.

They were identical houses, probably about 2000 square feet a piece.

My two markets I'm in now are basically identical;  Norfolk, Virginia and Jacksonville, Fl. 

The value of using an HML is the HML will want a list of your properties and possibly a verification of payments on those mortgages.

I have been an independent contractor for 7 years. each year i write of most of my income. i never realized until recently this severly limits what a lender can give you. should create an llc or some other identity and start passing all my income through that?

Also, shouldn't there be some other sort of verification on the animal itself?  

I just checked and there's an identical building that I was thinking about on Dequincy, but not this one.