Then when it comes time to legalize, looking to get everything approved at once, with the data point that it was built to code in the past.

How do you think you can get approved for a conventional loan without a job and why are you trying to invest in property, get a loan on it, when you have no income?

Now have water installed, w/ 6-bedroom (4-bedroom house and 2-bedroom ADU) septic approval.

Additionally, it can help maximize renovations and improvements.A Cost Segregation study is an IRS approved federal income tax tool that increases near term cash flow by utilizing shorter recovery periods for depreciation to accelerate return on investment.

you can also run into an appraisal issue as the appraiser will request loan program and may keep the inspection "Subject to" until a permit or approval is given from County.

., not requiring a long-term lease for the “rent” portion of BRRRR before approving the refinance) or allowing investors to borrow in an LLC or other creative structures.

In this case, the FHA would not approve the loan, serving as a good check on prices.However, with the new 5% down Fannie Mae loan, this check and balance is no longer in place.

However, failing to pay the tax could result in a lien against my company, complicating the approval process for a mortgage and incurring an estimated $10K in penalties. 

For borrowers with low or mid-range credit scores, what are some strategies for securing hard money loans? Are there specific lenders you recommend for more flexible terms despite credit challenges?

If your DTI supports a $10M property VA will approve it for the full amount on your first property.