While creditworthiness and property value are considered, other factors like the borrower's relationship with the lender and the lender's risk appetite can also influence the approval process.DSCR Loans: DSCR loans have a specific underwriting focus on the property's cash flow.

What's your appetite for rehab work? 

This will do a couple of things.1)  it will get them to ask questions in a non threatening setting.2) it may whet their appetite to either do something themselves or may inspire them to refer someone in their sphere of influence to you.Hope this helps!!

Risk appetite is a person thing!

This is just a short list to "wet your appetite" and by no means am I claiming these are the best or only books you should read/listen.  

What is the appetite to start a group to invest in building single family homes?

By putting all of your income toward your mortgage (even temporarily) you are suppressing your average daily balance, which lowers the amount of interest you pay.

ERGO some bright RE folks thought hey there is an appetite for RE but so many can't afford CA prices lets bring them Mid west homes and rehab and PM for them and we will call it "Turn Key" CA investor drove this market..

Their underwriting guidelines are different, their appetites are different, etc. 

:)  Less people are looking right now so they seem to be popping up more and more :) I also use a somewhat different analysis model to determine how suppressed NOI might be from subpar PM performance or exorbitant PM cost structure(s).Let's chat more if you're interested, I'm always eager to meet more people in this space.