I don't mean to come off as a conspiracy theorist - I'm not saying this is normal; I have no experience with foreclosures, just parlaying the message. 

@Fabio CattolicoFrom my experience, balancing career growth, cost of living, and real estate goals is a smart move.

Speaking from my experience with DSCR loans, most lenders will look at this deal as a 2-unit and qualify the income from only the 2 legally zoned units.

Quote from @John Williams: Has anyone been on the lender side of private money and had a bad experience that they are willing to share?

From experience, I’d recommend getting pre-approved, improving your debt-to-income ratio if needed, and researching local assistance programs.

I think 1) 10 years that includes recovery from GFC and the Covid pandemic is not a long enough duration2) I think for those 10 years, 100% is not that special3) I think many Midwest markets did not experience the appreciation you depict.There are Midwest markets that have pretty good long term appreciation but there are also many Midwest markets that have appreciation that has not historically kept up with inflation.  

They focus on timeliness, accuracy, and user experience.

I'm looking to not only share my experiences but also offer my services to those who might need them.

AS you get more experience you will learn how to screen better.  

Quote from @Jay Hinrichs: I think so at least for the ones we read about on BP..I had the same experience total loss on multiple syndication deals So I am feeling pretty good about how we are doing..