@Christopher P Clairmont I will DM you the program many of our clients use. 

Big banks, such as Chase, don't generally have the flexibility on loan programs and not always the best rates/fees. 

There are several loan programs/options where the requirements will vary.

We discuss the ERAP program, and I tell her I am more than willing to work something out, but I found out she lied about applying for the program earlier(luckily I called to confirm and they told me she never applied) and now she just applied to the program for real.

You will find an array of different lending programs.

@Stuart Hoffman I've found that many lenders selling to the secondary market offer pretty similar programs.

Jesse,Depending on the situation a DSCR program may work, Bank statement loan, or Alt Income each one has a higher back end DTI acceptability. 

Yield is a function of risk...whether it is in real estate, bonds, dividends, etc.

I have tried Zelle, Cash app, and Venmo but that seems very limited on functionality.

Even when I have had access to the MLS, I still used other programs with better search tools. layout, Etc as  @Russell Brazil said....I have had a RE license in addition to Contr's. license and IMHO the RE license should be left to professionals.