Hey @Justin Williams,I'll start by saying even the most flexible loan scenarios will look at credit. how it relates to the loan process, however, will differ depending on which loan type you go with. my gut punch reaction in this is that your credit score is more about limiting your LTV due to the subject prperty being a multi-family, or potentially driving the rate up so that you no longer qualify (rates are higher on MF than on SFR typically)....it also could be about how your lender is calculating (or not calculating) the rental income coming from the different units.

Ill explain my situation the best I can...Ive got a 100% remote corporate w2 Job making approximately 200k that offers a bit of flexibility since its mostly just project work.

You can find a company that doesn't have a high spend/volume requirement and flexible pricing options based on your needs.

On the bright side, HELOCs offer a lower down payment option and flexibility to access funds when needed.

Remember, appraisers are professionals, and communication is key—explain your BRRR strategy and collaborate with your lender for flexibility.

Highest profit margins, just need to be flexible enough to take on the task of moving around. 

Explore online lenders and mortgage brokers for competitive rates and flexible terms.

Agents have typically contributed to negotiations by lowering their commission during inspection negotiations to keep deals together, and they won’t have as much flexibility to do that if they’ve already been negotiated down at the beginning of the transaction.

But all and all they seem very detail and flexible to my needs and are willing to custom tailor what you want within the guidelines of their package. 

Although this would cost me 15% the flexibility of not having to rush and find a property within a certain time frame is attractive.