I found this deal on the MLS and had my realtor submit the offer.

I'll add that if you find a deal, oftentimes I'll submit an LOI to the agent instead of a broker.

Plenty of apps out there to design it yourself and submit for approval.

@Neil Duggan I decided to give Zibo a try, and I have not had a great experience so far.Tenant submitted payment, yet I was not able to see it in my profile.

Can you get someone who knows what they're doing to do a quick walk-thru BEFORE you submit an offer?  

For if they have something more urgent than would be best solved by submitting a work order through a tenant portal?

The probable answer is that underwriting a 5-property-owning investor’s mortgage application can be very hard work.As compared “traditional” homeowners who submit for loan approval with just a W-2 and pay stub, a seasoned real estate investor is asked to provide complex tax returns, complete REO schedules, and extra detail for every home underwritten and approved.Reviewing paperwork takes time.

Since the other appraisal was so recent can I just submit those properties?

Property #1 - $389,000.00 appraisal on 8/11/20 and application submitted on 9/18/20 with current loan value of $140,897.87Property #2 - $385,000.00 appraisal on 8/11/20 and application submitted on 9/14/20 with current loan value of $135,500.00Property #3 - $355,000.00 appraisal on 9/14/20 and application submitted on 9/17/20 with current loan value of $191,250.00

The concise version of a short sale is: The owner stops paying the mortgage; the property is listed for sale in the MLS; offers are solicited, and one is submitted to the lender; the lender requests info on the owner's financial situation to determine if the ability to pay exists; the bank obtains an appraisal of the property to see if the market value is in line with the offer; The bank loses the paperwork at least once, causing the process to restart; the bank may counter the offer, but at some point, a deal is reached, and the sale proceeds; the owner cannot receive cash at closing in any way, for any reason.