It might depend on the are you live in, but here in Utah I don't have a hard time getting bids on projects for free. 

@Mohammed Ahmed No its not same with every lender and depend on your loan scenario also. 

I’m not dissing it but because it has its pros and cons(more cons now) but in all honesty it depends what your brother wanted to do with that computer science degree.

Been using redfin and realtor.com  @Jeff Smith This is for a 2-4 multifamily and yes I am trying to not to depend on a real estate agent too much at this point even though the one I am talking with has been great to me!

Depending on what your long term goals are, you might be better off investing in a mutual fund.

So your personal experience could have been very drape or stellar, depending on where you are.Renting a property is generally no problem.

@Dustin VerleyThe answer depends on the custodian.

@Dustin VerleyI bought current receivables from manufacturing companies for a discount and was paid by their customers directly in 30, 60, 90 days depending on the terms agreed by the company and the customer. 

This could cause a big problem depending on your income level.I haven't been in banking in years.

Notwithstanding, SEP contributions are voluntary and discretionary (depending on your structure), so a banker/lender should recognize that, prospectively, such contributions are not necessary operating expenses.The upshot of all this is that you should reach out to your mortgage broker and lender ahead of time.