What services do good agents provide (marketing, negotiations, etc.)?  

I only have this lock at my Florida house so I can't provide anything of value regarding low temperatures.

They sent me a contract to sign with the purchase price and timeline.My concern is how they can provide a price without even inspecting the property.

We ended up going the HELOC route on that property for a few reasons. 1) the interest at the time was only 5%, which although seemed high, didn't matter too much with our potential property showing a 18% ROI 2) we leveraged a second home loan with 10% down for that new property, so our HELOC withdrawal was relatively small compared to what would be needed for a traditional loan on a rental. 3) I dont think I will see the rates in the 2% again in my lifetime, so figured I should hold on to that "free money" instead of selling it. 

I prefer Jonathon & what he provides but you cant go wrong with either.

@Jake O'BrienHouse hacking requires specific occupancy requirements for FHA, VA, and conventional loans.

There are many good people here, some of whom have not had the blessings I've known so I want to help them by providing safe, attractive, and affordable housing.

I wanted to make sure they're legit and see what financials and real estate owned details you provided.

Now I am looking to use loan programs for financing this.

A mortgage pre-approval letter provides a clear picture of your budget, saving time and effort in property searches.