Lenders have really tightened up and most lenders are not even offering rehab financing. 

Since Covid, we've seen a small pullback and tightening of buying restrictions from investors?

@Will McInerney What @Tim Swierczek said plus I'll add some of the larger institutions have really tightened their guidelines so if you are starting your search some of the medium-sized local banks and brokers (like Tim) are a great place to start.

I'm sure you're familiar with that term after reading Brandon Turner's book.I actually wrote up a blog post that I'll copy/paste here for you:*A quick disclaimer for you though is that in today's COVID-19 environment loan requirements have tightened up, so it may not be as easy as it was for me in a booming 2018 economy.I'm actually in the process of a refinance right now and it has been harder doing that than it was buying my house right out of college...It can still be done though!

Given where we are with COVID-19, lending standards are tightening.

I believe HLOC's were difficult to get before the pandemic and many lending requirements have tightened up a bit since then.

Loan products can vary quite a bit between lenders but broadly speaking the proverbial belt was tightened another notch.  

Hey All, Have a good deal on the table in my neighborhood, but was declined for a conventional loan bc of tightening restrictions on income.

Plaintiffs' lawyers love dry cleaner lawsuits. ..and California just tightened its standards.

I would tighten up the plan and consider some of the outer markets over starting in Austin.