I would actually be surprised if a lender would lend to your friend to build a house on someone else's land because he would not be the owner when it is complete.If you're going to do this, buy the land in a partnership with your friend.

Or, if you do, don't be surprised if you strike out. 

I certainly thought the same thing and was very surprised.

It will not surprise anyone to know that NY requires landlords to accept a credit report from any applicant that is less than 30 days old. 

EDUCATE YOURSELF - yes, it will take time, but will lead to a selection that better meets your expectations & avoids potentially costly surprises!

These charges were a surprise to us.

The bathtub tile might just need to have the grout cleaned, you’d be surprised how much that makes a difference and it would probably take an hour or two. 

For any noobies:  Research a ton and feel free to reach out to people nicely, you'd be surprised just how often people want to help. 

My favorite contractor is male, and not surprisingly, he is not condescending. 

I am surprised it is still sitting on the market when the rental rate is on par with the market.