You would be surprised what people will say even if they are satisfied with someone.

My current house sale would cover half of the initial loan of $325k (about $150-$160k which is pretty below appraised value) and the refi would cover the remaining 50% plus interest.  

The majority of new loan officers, especially right now, alternate between feast and famine, and right now it's famine season... virtually no one is refinancing, and home purchase transactions are down ~40%, with the 60% that remain not being anywhere close to evenly distributed [80/20 rule].I wish you the best of luck, but make sure you're going into it eyes-wide-open, and assume/plan it takes you six months to close your first deal (you will likely do better than that, but "hope for the best, plan for the worst" is always a good thing to think about).

Honestly I would be satisfied with a duplex to start with as long as it meets the criteria mentioned above. 

I have a very satisfying and well paying career that takes up 80% of my time - the other 20% I'd like to supplement with real estate.

We have water, sewer, and trash that remain in our names (required by municipality) then we bill the tenants with no mark-up.

There has been a lot of discussion over title fees and attorney fees, as well as what is allowable over the last few years, but what remains true is all fees and payments should be disclosed to you.

If the remaining glass or mullions appear to be cracked/bent toward the outside, you know it was damaged from inside.

@Michael Ndjondo makadi please check but I believe that if you send them the form and ask for it (document) you have satisfied your obligation.

I recommend a compromise of sorts:Do a one-year lease at market rent pricing - and offer early release from the lease after (# of months - maybe 8) with 60 days notice - so at 6 months, they could give 60 days notice and be released from the remaining term.