Markets like Akron, Canton, and Cleveland typically have steady demand, but you’ll see the highest pool of applicants around late spring into early fall.Always happy to chat more about what opps are there!

We have used them and it works pretty well when an applicant is approved. 

So nonQM is applicable for construction loans and the follow up mortgage?  

When it comes to locking we have 2 program optionsProgram 1 locks rates only after we submit the entire deal package to underwriting, about 2 weeks from the initial application (that's how long it takes to get 3rd party docs back like appraisal title and insurance), the rates could have changed during that 2 weeks processProgram 2 has a float-to-close rate, meaning the rate doesn't lock until closing week. 

We use our housebuyers website to collect rental applications. 

Is your DSCR ratio greater than 1-meaning are you cash flowing (according to the lender's criteria of mortgage, property taxes and insurance (and HOA) if applicable).

So if you're cash flowing on the property after taking into effect the mortgage, taxes, insurance (and HOA) if applicable then that is what is important besides borrower credit and LTV. 

Pay money for good photographs ... maybe at a couple different times of day -- full daylight w/ blue skies, dusk with sunset and -- if applicable -- nighttime shots.

A typical initial doc request will include: Photo ID, Entity docs (if applicable), Bank Statements, Insurance info/contact, Leases or STR rent history (if applicable - vacant units will use market rent or AirDNA projections for STR properties), Mortgage payment history and payoff for refi, Condo Questionnaire (if applicable), Purchase contract/Document improvements (if applicable)

So I linked the Arizona applicable laws for Ken, from the state of Arizona itself.