Plus, the market is whacky; so, not an entirely bad time to pause for a couple of months.

Terms on rehab loans are very different compared to conventional loans.Second, I know a few successful flippers in North Jersey who have decided to pause for now given that labor is difficult to find. 

I know accomplished house flippers and BRRRR specialists who have put their operations on pause until supply chain issues improve. 

If they are carrying a lot of debt compared to income, this is will make it harder for them to pay their bills.Anything not disclosed that indicates the application is untrue/incomplete.Agree that I would expect a lower fitness score with those sizable write offs, but a lot of factors go into that score, and that alone is not a show stopper, but does give some pause.

***Pause*** my profile says I'm an insurance agent. 

None of the things you mentioned would give me pause.

As far as advertised rents vs collected, that is exactly what gave pause over this past year with the moratoriums in place.

However if you have a big dumpster curbside-- a neighbor can tattle on you and there might be a fine and pause to get the permit and meet their rules and the inspector might make you rip out that tile to see what is underneath.So you looked at every bathroom on Pinterest and know what you want?

I can place it on the MLS myself, but that’s really a joke in my area regarding commercial leases.I feel like I could make it work, it’s just the finding tenants that has given me pause.

If I do an IRR model assuming  a 2% real estate appreciation a year in Brooklyn (Fort Greene), it doesn't amount to much, which gives me pause and thinks just continuing to rent and invest in the market is better.