I see you did a loan sizing down below on your sheet, but I'm thinking that's on current NOI and not on a 7-year projection.

We also require that we be added to the contractor's insurance as Additionally Insured, so we're covered if they cause damage or liability issue.3) If the property is occupied:- One of our people MUST accompany their person (and we charge for this). --- We were sued many years ago, along with the owner, because tenant claimed owner's contractor sexually assaulted them!

Any laws against repaying the loan in stocks instead of actual cash?

The process of buying, getting a loan and settling to closing was extremely smooth.

@Kyle Trotman If you purchased with a hard money loan conventional lenders will require extensive seasoning to utilize the new appraised value for cash out. 

I don't personally care about checks anymore so that wasn't an important feature for me. 

My team personally has pivoted to more local affordable housing with local and county grants and incentives and we'll leave the more complex LIHTC deals to the big firms.  

Point noted about not being able to underwrite without seeing things in person.

I’m not a former IRS person.

However, there's a loss on the 2023 Tax Returns, and Net Income is $45,000 in 2022 (Client has lots of writeoffs) What loans could I use that only consider:- Bank Statements - 1099s - Credit Score Please contact me with options.