After I contacted him, he immediately asked what I think my loan amount will be, once I told him, he said no problem and emailed me a loan application.

Just one example: here in NH I believe you can usually charge a tenant application fee.

I would not recommend pulling any other coverage off except for Personal Property as many times investors are not storing personal items at the rental property. 

Not looking for sympathy and want to say that just like getting horrible advice from brokers, I went to the emergency room at 4 different hospitals 5 tmes, went to about 12 doctor appointments to 4 different specialty doctors, went to 4 different chiropractors and remember this:Just like what I said about getting bad investment advice from brokers the same advice has been applicable to every hospital, doctor and chiropractor I visited.

Also there are a lot of good resources in the book store.

There's a reason you can't have a gun store or a porn shop within a certain distance of schools.

Once you’ve found the multi-family property you’d like to purchase, you can begin the loan application process to determine which type of private money loan program is right for you.In the world of private money lending, there are several loan programs for multi-family properties, including multi-family bridge loans and NO-DOC multi-family loans.

If you’re a Mac user, I found this cool application that allows you to automate sending emails that don’t get caught in SPAM https://www.serialmailer.com/

Each state is different, in Indiana you must file an application by December 31st to be effective for current year. 

There is not a place on the BiggerPockets site where your ticket information is stored.