If you have 3 trade references that reports to dnb, then pretty much your score is Unknown, or if it is like 3 months old.

After all, who is going to pay for unknown music?

Fear of the unknown.  

With 5 year balloons we have costs to refi in a short 60 months, at an unknown interest rate, if that portfolio lender will even refi us, and we never know where interests rates might be in 5 years.  

They say "procrastination is the thief of time" and underlying it is usually fear of the unknown(i.e rejection by seller on low ball offers,losing money in a deal).Get educated and stick around successful investors who are actively demonstrating what is possible in rei

He saw a shadow of the real me, buried under all my coping methods and almost unknown to the person I was then. 

One thing is certain, you do not want to try so hard to be the cheapest bid that you don't have the money that it's going to take to do the work, and have some type of cushion for the unknowns, because we know there's always something.

I don't mean to be disrespectful, however if you carry your 'I know for a fact' attitude into the bank, you have probably not compelled the right people to want to help you.Since people want to do budiness with people they know and like, if you are an unknown quantity from an unknown source, you're just another smart person who knows the language of money. 

I agree that this would be a tough one for me given the distance, inexperience and all the unknowns.

These are notoriously challenging to predict because of unknown factors that could arise.I'd have to say looking at market conditions and what is expected in your local market can give a good insight to short term property value appreciation.