I was told initially that commercial deals(5 plus units) were based more off income property is producing than personal credit/finances but that's not entirely true.

It's adjustable based on size, erring on the side of generosity.

Personally I think there are good loans out there but people look for the "perfect" loan that fits their buy box and meets a desired return - which the return is going to be based on risk.So for many you cannot have your cake and eat it too. thoughts?

I just read a new ranking of market ratings and I was not a fan seeing MN ranked 99.9 out of 100 potential score.

@Ilir Livadhi I think you are referring to property wholessalers telling you how much the rehab will be - and as you see, their numbers are often not based on reality.

The out of the box strategies and set ups sold will never replace customized AP/Tax strategies based on individualized circumstances. 

We have made money buying properety based on cash flow (lower priced) rented out for a period, then selling to an owner occupant. 

If the work needs updates, that’s where it can add up, but $30K sounds like a reasonable cushion based on what you’re describing.It sounds like a solid deal, especially if the cash flow is good.

On a commercial asset the value is directly based on the NOI (net operating income).

It seems to me that they all whether paid of free, will all have the same exact amount of houses because all the transactions are all public and so they seem to compete with each other based on the quality of the data of the houses, how up to date it is, and the user experience in configuring the how the layout is.