You must not have locked your rate when you opened the application with this lender.Some lenders can offer a break on the points in a scenario like this where you have given them a lot of business.

I much prefer to list on platforms where applicants are enthusiastically trying to nab my units.

I do know that it's harder for sure now with some red tape to wholesale to them vs a year ago.You could double close, but make sure that they in fact don't require seasoning before you do that or else it all might fall apart at the closing table. 

For my application process, I have a standard denial letter that I send to every applicant that has been fully processed, but denied.

The tighter your job description matches your title the more applicants you are likely to have.

Does Quickbooks work well for this application?

Always looking to network and happy to answer any questions if my experience is applicable.

I still have not figured out an easy application process.

I'm thinking it's a second HELOC application which includes my husband, but probably qualify for less if they see I have a HELOC already. 

MLS, Zillow and the realtor's website has helped get some people in the door, but showings have been slow and only 1 applicant has gotten to the point of interview so far.