Our funding agents do not mess around. Personal funding is done solely on your FICO score and stated income. How do they work their magic? Well the screenshot shows you... ok, so you probably only qualify for about 10% of your annual income at a single lender right? But what happens when a skilled funding agent applies at 30 or 40 such lenders before any hard inquiries show up? It means you get money from a bunch of lenders instead of just that one.
I made a mistake and tried to do funding myself. It did not work out. Before enlisting a skilled funding agent. I went to one place and got rejected. My funder regularly gets 50k from these people. But she knows how to apply - she does it all day and trains her processors to do the same. I basically cheated myself out of about 100k by trying to get money myself. I was better off paying the success fee and getting the results of a seasoned professional funder.