Congrats,   Screen carefully to ensure you enjoy the process for the first time.

Unfortunately Clussive’s ignorance of the HUD rules did not exempt him from action by HUD.In order to ensure Clussive never closed another FHA or VA loan, they placed his name on the Excluded Parties List System (EPLS) and Limited Denial Participation list.

I've heard COUNTLESS stories exactly like the ones you shared with your test - most of the major players treat the PM work like it doesn't even matter - no returned calls, late to appts, etc.

The mortgage co will want to see leases to credit the rents towards your income and to ensure one of them is moving out within that 3 months so you can occupy the unit. 

I've been around turnkeys for years, both as a buyer of them and working alongside them, and I can ensure you they are plenty ethical and a good business model (at least the ones I've always worked with). 

This is when the refinance process is started.As we were a week beyond the committed timeline to close (on or before 4/11, and you closed on 4/16) we credited the difference in the monthly payment for 2 months as well as waived the extension fee to ensure you were not out of pocket any additional funds as a result.Again I am more than happy to discuss your questions / concerns verbally at your convenience today or tomorrow as I want each of our customers to fully understand every aspect of the lending process and each product that we have to offer. 

What is my best course of action to ensure I get the mortgage by mid July (month and a half)?

To carry out a transaction that is in compliance with or meets those 3 "tests" you will need (as in must have) a good command or knowledge of basic real estate, creative structures are not amateur hour.I take a more advanced approach in Sub-To transactions (not bragging, just fact) that ensures lending compliance in situations where there is more than one loan or where there is more than one beneficiary entitled to principal, interest or payments.

on a simple buy of a SFR I don't think the Attorney is the key player here. 

You want to work with the specialist though to ensure everything is set up exactly right to be able to minimize taxes and avoid penalties.