I am in the process of purchasing a note.

I'm in the process of trying to set up multiple avenues of financing in the event i find a deal i can move on it. 

I just finished going through the process with them, and was recently approved. 

I want to start the process of applying mortgage loan for my first investment property.

@Chris Mason Respectfully, not everything is math...there are all sorts of reasons that someone may be in a position to pay a higher rate, these "challenges" (DTI, Credit Score, BK, F, etc) can be overcome by going to person lender who can overlook these and a deal can be "handcrafted", secured against the collateral vs. fitting into some bank's guidelines. 

If I pass the test I don't want to wait again while CALBRE is processing more paperwork, they take forever.

Most employers are smart enough to not verify more than the minimal info, we ask for pay stub copies later in the process if our screener can't verify employment.  

I'm concerned about the ARV,  what is your process for determining that?  

I'm going through the closing process and my mortgage agent is giving me a quote of $750 for the appraisal.

We are excited to get the process started!