So if you need references in your state try posting in the state forum that you need the loan product in.  

I've spoken to my tenants several times about the use of smoking and Vape products and marijuana products.

I haven’t even mentioned the appreciation that we get as a by-product of keeping supply low.

This is something you will need to speak with the lender you are getting the product from.

You can buy with hard money then refi into that hard money lender's long term product - many offer rental property loans (might be easier to qualify for, but going to have a higher interest rate than a bank). 

@Jonathan Marrow The file has to resubmit again with new product-most of the lender has this requirement but you can ask your lender if they  can flip to other product. 

APR = APY if they are marketing a savings/checking product to you.

No, I won't charge you anything or pitch you any products, deals, etc.

High cost coastal markets like SF and NYC will go down, as will the high end product in most markets.

There are other products out there that also help with expense tracking.