This should include verifying everything... rents, expenses, zoning, inspection records, leases, taxes, utilities... and about 100 other things.Getting into commercial buildings can be very lucrative indeed... but they can also knock you out of the game very quickly if you don't know what you are doing.Best of luck!

Do listing agents or the bank call the buyer's bank to verify the amount on the check is in the account?

I believe each unit has separate utility meters, I'll verify that later today.

they didnt' even verify income, and they more than doubled my limit.

I would verify that they are a legal operation because it does not sound like they are doing anything to help and may well be doing you harm.This type of arrangement is usually to take your payments, negotiate with your creditors for a settlement amount which is lower than the actual balance, and only pay them when they agree to the settlement.Even then it will hurt your credit and you will be liable for taxes on the difference between the original balance (growing due to late fees etc) and the final settlement amount, the IRS will see it as "income".It is almost always better to stay in civil communication with your creditors and work out a payment plan with them, keeping detailed records of all communications.

Is this based on lot size and are all lots identical?

The situation is almost identical to the US financial crisis, only the details differ.

Also, as far as cash flow goes, get 2 years of verified income & expense.

For all practical purposes, its identical to being a RE agent.If I don't do the PM job or the maintenance job, I have to pay someone else to do it.

You know that what you're saying is true, and anyone who applies your techniques correctly will be able to verify for themselves that you told the truth.In time, a few of the skeptics will get tired of banging their heads against the wall, and they'll eventually check you out.