Also, consider this copy & paste advice below:Recommend you first figure out the property Class you want to invest in, THEN figure out the corresponding location to invest in.Property Class will typically dictate the Class of tenant you get, which greatly IMPACTS rental income stability and property maintenance/damage by tenants.If you apply Class A assumptions to a Class B or C purchase, your expectations won’t be met and it may be a financial disaster.If you buy/renovate a Class A property in Class D area, what quality of tenant will you get?

It sounds like the issue is with the Debt Service Coverage Ratio (DSCR), which lenders often use to determine how much they’re willing to loan.

The new President is going to do this, do that, yada yada yada.Unfortunately, a lot of financial and tax professionals join this nonsense and pollute our brains with never-ending "How to prepare for the incoming tax changes..." podcasts and posts.

They appear to have run into liquidity and cash flow issues currently and worst of all have gone dark and not shared any of the requested financial information.

These areas tend to attract more reliable, long-term tenants who are usually more financially stable and take better care of the property.

The lender lent based on them being one thing which secures the debt.

If you believe you will be financially ready to build a year from now, perhaps you enter into a lengthier contract where you can obtain all of your building approvals and then settle at a later date.

With that said can anyone suggest reputable lenders that are able to assist me with a debt consolidation loan of ~25K?  

The goal is to achieve and maintain financial freedom.

I'm glad I said I had to talk it over with my financial advisors. :)