Hey @Michael Peters, this is a common issue in the Pocono market that we face and usually we don't even know of the septic rating until we verify with the township.

Read the HUD guidelines Greg posted, must have seen them for more than one session meaning they aren't going to risk their license to help them and you can call the therapist to verify if you needed to.

While the main syndication process may be identical, there will be legal nuances that are country specific. 

Verifying last 2 years of rental history very important!

They will also examine property rent rolls, leases, and expenses to verify the property fits their DSCR requirements. 

Do you verify their income?

Verifying last 2 years of rental history very important!

Any tool that does that isn't going to help you because you can't verify that the numbers you are plugging in are actually even in the ballpark if you are doing everything virtually.

Just got done reading the entire thread, so what is the conclusion who are the reputable lenders with a closing track history that can be verified that lend 100% without charging an arm and a leg to good qualifiers with good credit and income?

Sometimes when people move out others forward their mail to a different address to steal the credit cards, etc. or for identity fraud.