This will check off all three of the items for you. 

If a home contains all these items then square footage isn't the issue.

I agree on doing an inventory of the items there. 

Sounds like you have a good list of items to tackle.  

The 1st item I noticed is that you are being told your Husband's OT/bonus income is not being counted, this should not be the case, if there is a 2 year history of receiving this income and it's increasing (as it appears it does) this should be used in your qualifying income in addition to the base. 

It closely reflects a thought I had when I first connected with my current group about how they could not just make extravagant statements but actually "walk the talk".To the OP's point however, let me re-interpret the "myth" for you:Yes, it takes money to do just about anything.The point is that it doesn't necessarily have to be YOUR money.As long you have some other value to bring to the table, thru networking and relationship building you'll be able to gather folks around you who have an abundance of money but a dearth of what you have to bring to the deal, whether that be time, effort, knowledge, or some other item(s) of value.

Tell me what items you need to get the job done."

•Personal items cannot be kept in common areas including front and back porch, parking lot, laundry room, halls and stairways.

Some properties will be missing crucial items on your checklist.

Are these items pretty standard to supply a loan officer?