You know, the one that MIGHT not have any deferred maintenance even though there are no interior photos... yeah lolThe reality is, you've done this a couple times (using your HELOC to fund investment purchases in Peoria).

Ensure that you are always being responsive, respectful and reliable.

If the HELOC amount you're requesting is relatively low (often below $100,000), lenders might waive the full appraisal.Drive-By Appraisal : Instead of a full interior inspection, a drive-by appraisal involves the appraiser evaluating the exterior of the property only.Desktop Appraisal : This type of appraisal is conducted remotely using data and photos provided by the homeowner or real estate agents.Based on the little knowledge that I have about stuff like this it sounds like you need to connect with existing lenders in your network or find new lenders in your network that have programs aligned with your goals.

I have a lot of respect for your knowledge of the L/T space, but in this case I disagree with your logic.  

I shared photos with several lenders, but they all said that these repairs "probably" need to be completed before closing.

They said rents have gone down and the investor is asking for options...They had a great pitch deck in powerpoint that was all pretty and fancy with photos, what they were gonna do etc.

If you want to proceed, please gather these few documents, and email them over to me.Photo ID: Please provide a clear copy of your valid photo identification.Proof of Social Security Number: Documentation confirming your Social Security Number.Homeowner Insurance Declaration Page: Is the cover letter with your policy number and coverage amounts.

Take good photos at the walk through and if the wholesaler gives you an estimate of repairs then shoot the video/pics to the GC to get their opinion of the wholesalers estimate.   

If you want to proceed, please gather these few documents, and email them over to me.Photo ID: Please provide a clear copy of your valid photo identification.Proof of Social Security Number: Documentation confirming your Social Security Number.Homeowner Insurance Declaration Page: Is the cover letter with your policy number and coverage amounts.

Overall, treating borrowers with respect and empathy goes a long way in fostering a positive and lasting relationship.