@Jerry Lo  If you were going to hire someone to work in your business, would you want to interview them first, or just go off of what the resume says? 

Easy.Lease OptionA LO is a 2 contract (two SEPARATE contracts) agreement. 

Lo and behold, their young kids had flushed some small plastic toys down a toilet and they caused an obstruction that led to continual clogs.

LO's close your eyes for this next part -- i do know of a broker that would refund you like this post-closing. its because they're trying to soften the blow by at least making the cost go away, but in order to do it the right way (flipping to borrower-paid compensation and reducing their fee) it creates a logistical nightmare for compliance purposes. much easier to just cut you a check post-close, but it is a big no-no. sorry you're dealing with this. i would confirm on the locked LE/ Lock con about the pricing from your lock. if its in writing they should absolutely honor it. if not, your best option is likely to close anyway and then you can write them a really nasty review. people would love to know about 'bait and switch' tactics.best of luck!

After doing 2 deals your LO should know exactly what your DTI is and they should have told you what it is so that you can both figure if the next deal is doable or not.  

@Fausto Carosella yes  you might have to go portfolio but you really need an experienced LO to look over all of your documents and tell you the best way to go.

(FHA is easier to close for the LO, but worse financing overall compared to conventional, provided you have good credit.

If the LO doesn't know how to structure/package/submit it, the underwriter isn't really going to know what to make of it when it hits their desk, so they will just waffle about for a few weeks or months, and then you get the last minute "oh you were trying to do THAT? 

Hard money is loan sharks.FHA is an Agency loan, meaning you'd want to go to a LO.

Lo and behold the board changed their tune and now I can only get 75% of PURCHASE AND CONSTRUCTION cost!!!