I don't want to pull my credit to many times (more than 1 ).

Like I mentioned before, we have a great Realtor and we also have access to PropStream that allows us to pull our own comps.  

Here's the test for a clog...fill the sink up with water and pull the drain. 

Not trying to pull a fraud.

It takes a credit pull and a made up "123 main street" purchase loan to pose the question to LP, however.Further: Normally I disagree with the majority of my fellow lenders requiring a fresh credit pull every 3 months for a preapproval to remain valid.

I'd like to pull on a thread from your statement: "I'm currently seeking multifamily properties as I assume they offer more bang for the buck."

@Riad AliWith A cash out refinance you could pull out 75% of the equity on the property.

Where did you pull the comps from?

Taxes: Any marginally competent lender can teach you how to pull prop tax bill and calculate what your tax bill would be at any given purchase price in like 30 seconds.

The variables I think I need to consider are:1) use of metal vs flex duct2) type of unit installed and warranty3) will permits be pulled / work done by licensed professionalI want to save money but don't want to create headaches.