I still have to assess how it will work for an individual like myself as I believe the current cap is 90 days without owner on site but it can be increased for individuals who travel frequently.

I live in California silicone valley, for now I have to stay here for the next 2 years at least  But for example in Cleveland , this is not easy audience to deal with , if house there cost 90K it means that’s not going to be easy and a lot of things can happen.

I am an investor focused agent here and my team will very frequently have larger off market multifamily deals available.

Many deals in the most desirable areas go to all cash buyers and are under contract frequently the day, or a handful of days, after hitting the MLS.If you're looking for deals in the area, I'd either suggest looking in slightly less desirable areas (like, say, parts of Newark, East Orange, other parts of Essex County), and/or positioning yourself and your finances such that you're either able to make all cash offers, or pounce on deals as soon as you see them.

The reason that Suzy and Dave are 'naysayers' as you call it is that their audience is typical families and individuals in the $30,000 - $100,000 year income bracket whose disposable income is less than 10% of their yearly total income and they carry a lot of expensive consumer debt.  

Their target audience is usually Males under 35.

I would assume so but I've never changed so frequently before.  

My experience: typically I'll spend quite a bit of time doing my own initial search/investigation of all the parcels... add a deposit ~$1000-2000 to allow me to bid in the bidforassets auction, spend more time with title/feasibility/etc research on 1 or 2 that really interest me in the week prior to the auction... but the last day before the sale the properties that interest me frequently get paid off.

I don’t want to rely on calling another lender who may lead me down the wrong path again, so I wanted to ask an audience of people for their thoughts.  

With that said, as long as the mortgage is paid, they frequently don't see it/don't care.