Hi,I'm Nick a software engineer at Microsoft in the Bellevue/Seattle Area and this is my first post on BP! 

This isn't a guideline, it's just the reality due to the ubiquitous "Microsoft Word Equivalent" loan origination software that everyone uses.For bullet point #2, I haven't come up against this type of scenario as a live transaction in over a year, there might have been some software patches that I'm unaware of.

Another one could be large international companies with long track records, like Microsoft or Boeing?

Internal Rate of Return:  The Microsoft Excel XIRR function returns the internal rate of return for a series of cash flows that may not be periodic. ... just feed it dates and cashflows (positive or negative). 

For eg. to use Excel you need two things, Microsoft Office and an Excel file where you customize and enter your data.

Most of the processes I work through deal with Microsoft Excel, which I would almost consider a second language for me. 

The proceeds of the investment can come from the gains of another investment that is not real estate related; for example, you sell x number of shares of Microsoft and you have a 100K gain.

Under that threshold, you're in the same category as all the Microsoft or Amazon employees that own 0.000001% of the company. 

@Rob Bergeron I know this is old news, but did Microsoft eventually open the hub ?

I tried on different internet browsers and different devices including; Chrome, Microsoft Edge, Internet Explorer, and android phone.