@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!

After kicking him out, it appears he did more than $1800 worth of damage to the condo and they opened a collections process.

My immigration application to become a permanent resident is being processed at the moment so will have SSN in about 3 months or so.

Check the house, check the comps, and check your process/rehab level etc.  

I'll be the first to tell you I'm not sure what I'm doing, so I could be overlooking a lot.