You are correct in mentioning the submission rules.

So this company sucks 3k out of folks then says well we are taking a huge risk here with new rehabber and 100% financing and this deal does not work.. but thanks for the 3k and the 650. for each submission.. its just another guru technique frankly.. 

Just find a handful of comps that tell the story you want to tell and include them with your submission.

Make sure you aren’t making these common mistakes in your loan submissions: Make sure the loan meets the requirements of the hard money lender before submitting.

I see I am doing one or two things incorrectly and I will correct my submissions to my mentor.

The vast majority of FNMA listings offer online submission. 

We just set it up and it is a little cumbersome for the application submission.

None of the technology companies I've worked at would ever consider external submissions to internal communication lists.

@James Galla makes a good point that if you're appeal is more than an easy submission you might want to hire an expert.  

Let me know if you need help in that area, I’ll be glad to proofread your document prior to posting and/or submission!