I'm here in the Bay Area, I'm sure there's an independent mortgage broker in your area that you can find.Here's what a vanilla refinance can look like when the power is with the loan originator, not the underwriter:Here's what an investment purchase for an investor who ignored basically all of my advice (ever play the "hey where did this $10k cash deposit come from?"

Sorry for the ignorance. 

The good news is - if you're certain they're smoking inside they're probably an idiot and have ignored other rules that could be easier to prove. 

No your offer will not be considered unless you way overpay and even then it will likely still be ignored. 

So even if they do ignore all the above items....they still must provide you ample time to fix it.

He's ignoring the acronyms and buying value. 

So even if they do ignore all the above items....they still must provide you ample time to fix it.

Ignore the negativity.   

Ignore the folks that tell you Wyoming, Delaware or whatever state is now the best for your business.

Just make sure you don't view a property manager as something you can ignore and everything will go perfectly.