In today's wild west of rates it would be best if you used a mortgage broker to help you shop it around.  

Heard about this after the fact, but some of my tenants went to a strip club and hired 2 of the ladies and their security to perform at one of my houses for them. 

The lady got up and walked over and took the book from his hands.

Very friendly lady and would prob just walk you through the process for much less or nothing at all since you would get the loan from them.

I was very fortunate to partner with one of those "old lady sharks" you mentioned, lol, greatest real estate education & experience anyone could  have.

Also having a spreadsheet without additional details is really coming up with a wild guess. 

Do you guys/ladies have anyone you recommend?

We once had a bad experience with a crazy lady ringing my doorbell, I stupidly opened the door, she asked for someone by name hiding in my house, I said no, I'm here alone, I recently moved here, and she accused me of lying, pushed passed me, ran upstairs, walking from one end of the house to the other, opening closet doors, shouting "I know you're hiding here".  

I wrote my post right after this lady yelled at me.

This has been a wildly frustrating ordeal, especially given that I went through all the steps to apply for the easement, per the lender's requirement, only for them to deny the loan.