Williamson County: The median home price soared by 33.4 percent year over year to $430,000, while home sales declined by 4.4 percent.

If no one is offering this it may be because no one has your brilliance and you have a great product or maybe because it is not wanted/expected. 

There are some pretty nice discounts on many products and services offered as Perks to BP members that you might want to check out: https://www.biggerpockets.com/perks/proThe site has quite a few tools that can be helpful for new members.

You would be surprised at the different loans and products these credit unions have.

@Elizabeth Schartman If the criminal record says “claims unsubstantiated” it's little more than hearsay, and we cannot decline for that.

Some banks may have a portfolio product with different down payment requirements but it will not be a conventional loan. 

What's causing this decline in closing times?

For both options the treatment will be using the same method but different product / chemical being used.

Happy to get you in touch with a couple lenders that can answer any questions you have and fill you in on the loan products they offer, shoot me a DM if you want their contact info.Great initiative, and you should be well on your way to financial freedom with that level of income!

They make most of their money from the future sale of their products, although I'm sure they make a bit off the hardware and training, as well.