They have access to a wide variety of lenders that can make the loan fit for you.So, not a straightforward answer, but not much is these days. 

All of these scoring models calculate your score differently and scores can vary widely between the models depending on your particular circumstances. 

Example #2: Your property is worth $100k and there is a county wide reassessment.

The initial lender or noteholder is paid off by the lender who is refinancing the loan.You asked why someone would refinance... borrower will usually refinance in order to get a revision of any array loan terms (rate, term etc.).

Commercial multifamily (5+ units / mixed use) is also widely availableBP has a hard money lender search feature that can connect you with lenders who carry these types of products.

The renters policies that cover pets vary widely in what they do and do not cover and although its helpful, they can be very vague at best about dog bites/attacks. 

While LP's are still around, LLC's are now the more widely used and preferred partnership structure.

Wide mix of new and existing inventory.

We need appraisers nation wide. not sure where you would start but we do need them!

There's a pretty wide range of opinions on this.