From the little you mention, it sounds like simply a risk aversion issue.

I did see that mentioned in a LinkedIn post actually today, the clawback rule. 

I’ve considered that and thought about it for the same reasons that you mentioned 

Hi @Hassan Oukacha - Being from Texas you would need to either get your real estate license or use an online service like Inestway.com or Propelio.com - both are brokerage websites that offer true MLS sold comps for you.Full disclosure I am the co-founder of Propelio.com, but there are other sources like investway that I mentioned.

I couldn't find any threads on BP that mention him in a negative light, is he another charlatan?

Typically, DSCR rates are about 1% higher than conventional loans—not the 2-3% range you mentioned.

As mentioned if you're concerned, just keep a close eye on your credit profile during that period!

You always invest in areas that support your thesis on the development going forward, not historical.Everything you've mentioned is how you're emotions work.

As others have mentioned, you'll need a pre-approval or proof of funds to proceed.

My initial thought here was seller finance, as @Ryan Irwin mentioned!