Many real estate investors opt for a fix-and-flip loan because they’re relatively easy to obtain: no personal income verification (no DTI requirements), and you can often borrow up to 90% of the purchase price and 100% of the rehab costs.

Lastly, I am extremely open to working with investors, or obtaining private funds as well. 

If you tell them their credit score is too low (or some other reason) and somehow you obtained information that is inaccurate, then there is the potential to cause a legal problem. 

There will also be many homeowners who have had the properties in the family through generations and own free and clear but now still need to obtain a construction loan to rebuild. 

Yes I definitely need to obtain a network of brokers locally here in the commercial/multi space.

In this era of increased rates, obtaining properties that will produce a good return are harder to find and often involve quite a bit of work.  

I’ve received multiple quotes from insurance companies (mainly I would obtain the quotes myself).

@Sang Kim- thanks for clarifying you are trying to get a commercial loan ...this is a  completely different product than a home loan ...You still should be able to  locate and obtain a good commercial loan  without  having to pay any fees upfront  ( other than possibly paying for the appraisal after the  loan has been  approved )

For example, Ohio Real Title provides property lien search services across all 88 counties in Ohio, making it a convenient option for obtaining a thorough analysis before bidding on a property.Ohio Real Title is the company I use, and we have a joint venture with them.

While they were good about obtaining a refund, etc., it still took time (and all communication is via chat or email, for me, chat was easier).