As far as the real impact, it can depend on what you want to do with the property, if you have a discretioanry review the City will ask you to relocate the utility...which is often cost prohibitive.

Yes I would suggest getting loan docs in place, they normally give them to the attorney for signature and review. 6 months is a short timeline for your 1st deal , make sure you have an extension clause, in case you do have seasoning requirements.

Online reviews are great... but would love to hear from anyone on here who has used them.  

Like @Marcus Auerbach said, do a review on HVAC and roof, gutters, double check plumbing/drainage, and make sure filters, light bulbs, and smoke detector batteries are all in good working order.Do a walk-through of the property as if you were someone looking for a place to rent with a hypercritical eye.

Or can I use a standard template from the Internet and then have it reviewed by an RE lawyer?  

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@Terrell Garren I just gave my rave reviews for M2M here and then read your statement, and totally agree!

@Chris Howell if you have the name of the lender, the phone number and address , you should be able to find something about it online .... maybe reviews, Former customers , court, complaints ... someone have to know about this lender.

Permitting & Red-lines - In this phase completed designs are submitted to the jurisdiction for review.

Besides the rent roll and T12 what would you suggest reviewing or requesting?