It is clear to me that the intent is the property will be non-owner occupied and hopefully that is how you buddy has filed the application.

How do you screen applicants?

Most of our applications were submitted in early May.

You can't have it both ways, and if you bring attention to the situation you'll probably just cause yourself problems.If I were you, and I intended to keep the 2 illegal units, I would probably provide the 7 leases early on in the refi process to establish "7 rental units" in the mortgage person's mind, and then just hope & pray that you don't get asked for a zoning certificate as part of the process.One other thing I'd say is that, again I don't recommend illegal units, but if you insist on keeping them (as many people do), I strongly recommend you comply with the fire code applicable to the number of rented units in the building.You mentioned two buildings, with a total of 7 units, and you said the building department had them as 3 & 2, which makes me think you have them rented as 4 & 3.If that's the case I would strongly recommend, if I were in your position, absolutely making sure that those buildings conform with the fire code for a 4-unit and 3-unit, respectively.

If you don't have something structured where you can keep everyone is a seat for 30 to 45 minutes then you may as well just smoke some joints, drink beer and whiskey and have a wild party nobody will forget.One meeting could be for flipping, single family investing, multi-family investing, the best ways to find properties, how to do rehabbing, how to deal with contractors, how to do the math for single family and multi-family investing before and after the purchase, financing, dealing with commercial investments, how to do accounting and reduce taxes, how to streamline your entire operation, what software to use and how to use it and a lot more.Most meetings have only coffee, water and cookies for people to munch on and not much more.

Would love some insight into what scripts, CRM, and cold calling software you have had success with?

Personally I have both and my single families have much less turn over, less maintenance, and better quality of applicants. 

We started a shared bank account and are on our way to setting up Wave as our book keeping software of choice.

Using software like Propstream or DealAutomator are more expensive than D4D but you can generate a targeted list anyplace in the country and get out a lot more mailers, emails, and no-ring voice mails. 

They were working fine but we had issues integrating them with our property management software, requiring us to manually enter billing.