Unfortunately, I have no work history or proof of income for the last 2 years so it's doubtful anything other than a hard money loan is going to happen.

All payments are current.I'll look into a new note showing the discount on my books.Below is proof that you are right about lowering the upb.

Tell the seller your bank has asked for the proof and if he can't provide it you will not be able close, tell him you will put off the inspection to give him a few days to get it together.

This way you have proof of the condition both before and after.Other than that your list of forms looks pretty good

The "character" is based on your credit and your ability to pay usually through proof of pay stubs.

Now I'm 300 miles away and still feel the same.I should post-script that I lived in, and rehabbed each one, so I know they are pretty much bullet-proof from the start. 

Wholesaling off the MLS has its challenges BUT if you have the cash and you will need proof of funds for those deals and you have a huge list of cash investors then that might be a good option.

Although the porcelain tiles were much more expensive than the ceramic and natural materials we looked at, they have proven to be scratch proof and look the same as they did when they were first installed.

The Seller wants proof of funds - no financial contingency!

I mostly buy MLS-listed REOs and I make strong offers - cash, no contingencies, proof of funds etc.