Great, let's live "beta test" (after letting others deal with the "alpha tests") with a non-time sensitive vanilla W2 / 775 FICO owner occ SFR refi.

We are testing out Spokeo but it has proven to be must less accurate. 

It sounds like these are lending licenses, which I'm assuming is not simply taking a weekend course and passing a test.  

From time to time it might just show you a captcha just to test you, but you can set up an "alarm/warning" to ensure a human/you completed it (it not as fast a fully automated but faster than doing everything by hand for sure).

If you no longer meet the hours test, you cannot claim the status.

I don't think there's any other business that requires as much patience the real estate.Real estate will test you.

They do a dust sample from the floor of small area of each room and test that sample for lead.

I'm going to test that, as I'm accredited as well but want to see if they'll be willing to say so.  

It's important the agent has an investor mindset; during this initial call, make sure you are screening and testing their market knowledge...also checking on how they can guide and provide resources throughout the process!

So I am trying to buy now as long as it meets a thorough underwriting test.