I'd ask for vet documentation for proof pet has received all state required vaccines.

You aren't required to offer a loan mod prior to foreclosure.

Tax law requires it.

Start by getting pre-approved for a loan, ensuring your credit score, debt-to-income ratio, and finances meet lender requirements.

Yes, I share the same feelings and dont understand why the information and steps required is SO extensive! 

Lenders will lend the lower of the amount between LTC and LTV.Do you require an appraisal and survey?

Hey Alex, You can do 80% LTV on a DSCR cash out with no seasoning required, however it will not be at 0 points.

Call the registrar and ask. 1-800 321-2752 https://www.cslb.ca.gov/newsletter/2010-summer/page9.htmThe current text of ab968 requires FULL disclosure with copies of all contracts, permits and warranties within the two year window.

Now, some states require an attorney to review contracts. 

The amount of downpayment requirement insures buyers having "skin in the game".