If you know anything about commercial multifamily you know it takes a lot of upfront capital and when you are starting fresh banks require you to have someone on your team who has experience and the right net worth depending on the property.

Let's go over some examples and show me where you think the buyer is harmed:My opinion/perspective: The buyer has really been paying for the buyer agent commission all along.

It helped me learn more about your perspectives.

But I get it from the company perspective I am sure they make quite a bit of money on their turn downs.. and  its a good way to filter the folks that think they can do it and have a plan with those that can actually execute.

From a lender's perspective there is a risk of mechanic's liens being filed up to 4.5 months (in Texas) after they have been on site. 

We do things in our flips that are probably "more than necessary", but she does it from a design perspective.  

Look at it from the average consumers perspective.   

From the lender's perspective, yes they are.

I appreciate your perspective.  

I would make sure you have a good team ready to go and be ready to pounce whenever the opportunity presents itself.From the lenders perspective, it can be kind of tricky because there are plenty of properties that cash flow well, but even fully-rehabbed they are less than 100k, which make them difficult to lend on.