I then usually line up all of the major applicant details by qualification category in an excel document (exclusive of personal information) and make a decision based on who is the most qualified applicant. 

Hi @Edward Zachary Samperio I'm a veteran, investor, and also a lender in TX, CA, and AZ and can give you a rough estimate on closing costs, however the exact amount will vary based on the purchase price as well as the property.

I was in the 'flexible hours other job' category.

Different than REITs or REIFs, which generally give you access simply to local property, you only need to invest lesser quantities of capital through crowdfunding to transform into a property investor in some of the most profitable foreign markets.Choose Varying Asset CategoriesInvesting does come with risk, so a great way to shield your money is to diversify.

Four would be more typical.Its hard to say anything about what "most" HMLs do because practices vary a lot.

We’re looking to purchase a small multi-family property in the <$500k category using traditional financing with a 20-25% down payment, or seller financing if it can provide a better opportunity.

Or is it usually provided by the lender when evaluating VAR?I

What you can do is buy a tax lien or tax deed (it varies by state) from the county.

@Jason Mak it varies depending on what the client wants and how long they've been with us.Most start out needing a lot of our time as they get used to our systems. 

DD is a must especially in this area as the tides are changing everyday and vary greatly per county and city!