@Dan Schwartz  I see a lot of huds in my work a day world... how lenders make up for safe harbor is junk fee's which they are not limited to.. most loans of this size will cost 4 to 5k to get funded... includes origination fee's and all the junk fees.I have not seen one under 3,600.00 total fees on the hud.. paid by buyer ... a lender simply cannot stay in business if they are not making 4 to 5k per file... they would close up shop and stop doing those loans if they could not generate that amount of revenue per file.

I wanted to reach out to the bigger pockets community and see what advice I can get when shopping for a mortgage.

It's easier to shop for one when you don't need them.

Get comps by CraigsList, Zillow and mystery shopping at the big complexes. 

But in general even for such circumstances I would still keep the deposit and offer some sort of other gift (plane tickets, help paying for something) that is from you personally, not from your rental business.

@Andrew Johnson Thanks Andrew, I like the idea of "coming bearing gifts" even if it's something as simple as doughnuts or cookies. 

These lenders are very familiar with both of their operations so final approval is almost always positive if you're going to a well known highly ranked shop.

Thank you for letting me knowLooks like I am going to go shopping.  

Shop around, start with the utility that supplies the water.

Convenient/great location near central/downtown business districts, shopping, restaurants, transportation hubs, etc.Tenants are typically white collar professionals who can afford to buy a home but choose not to be homeownersClass B: Property is generally somewhere between 15  to 30 years old, but could be older.Some amenities, but not as upscale as a Class A property.