All lenders heavily weigh their decision to lend to a customer on their credit rating.

They aren't heavily advertised just b/c most people, after the down payment, etc, don't have enough assets to move the needle.

If it is a builder's contract then you likely do not have much wiggle room as they tend to be heavily slated in their favor.  

Definitely not booking out heavily or anything, but a few bookings here and there.Next year will be interesting. 

For me, one of the time investments that I've been investing heavily in is training my 3 dogs - when the newest pup is full grown that will be like 250 lbs of dogs lol but after considering your approach I think one of the best investments I can make right now is professional dog training.

This may be true, but the inventory released is pent up due to expiries from covid forbearance, most likely all of these loans will be heavily scrutinized by the numerous regulators, and will be difficult to navigate. 

Past expenses are what determine most heavily into our determination when underwriting for proforma and analyzing a deal. 

This was done by any of the following; a statement showing the down payment transferred “outside of closing”, funds transferred to the title company as a down payment but actually from the seller, the seller “purchasing” another asset from the buyer for a heavily inflated price, the reported price being in excess of the “real price” with the seller taking a “silent” second, and something known as “disappearing” earnest money, “paid” directly to the buyers attorney.

It's a people business and relies heavily on networking and your ability to work with people.

I have found what I thought were deals only to talk to some local STR investors/management companies to find out that the AirDNA data is heavily inflated.