If it is not something a consumer can do online that can usually help the business with a storefront.

The fourth lesson is documentation makes or breaks your investment.

If you use a bank they will have encrypted ways to send sensitive documents.

I document everything, it takes less than a couple minutes to type up how a real issue was addressed or if the soon-to-be former tenant was just messing with me I type it into a notice to cease/quit.I renovate on vacancy.

They have great customer service and their online banking is extremely convenient.

I was just under the impression that since the value of the property hinges on the NOI (being 5+ units), I would need some proven history to document the actual expenses.

There are no rules that a borrower gets a loan mod for the asking...or that all borrowers are eligible for a loan mod but, if a lender offers a loan mod as an option, and IF a borrower IS eligible, there are rules that prohibit the lender from not offering one.For a loan modification to be considered, there needs to be documentable income sufficient to service the debt at a subsidized rate/term.

Which document/s do I read to find out if I'm going to be okay to do this or not?

Online?

The LLC vs personal debate is long and well-documented on BP.