Nothing will happen to you if that's the case, but the company will lose money since you sold within 6 months, and the LO's commission would probably be taken away causing a deficit.Good luck to you!

A good underwriter/processor/LO should attempt to get the 2- year average used, but guidelines and regulations and overlays will ultimately determine what a lender/ broker can do.Which leads to the last point: it seems the explanations you interpreted are misinterpreted or you are speaking with lenders/ brokers who are bad at explaining things.There are overlays for specific loan programs or products.

So this is a whole strategy - acquiring and selling on a L/O.  

I started out with this strategy - specifically, "sandwich L/O".

@Juan Campos- I  sent a  referal  to your inbox  for a  good  LO in TX - good luck

, and have now passed my SAFE exam and am a licensed LO in Virginia.

I don’t want to use conventional bank so it doesn’t mess with my DTI on my current home under construction (per my LO).

Try a LO if you can't wholesale it.

I had thought that when I go out on offer presentations that depending on the deal, I might be able to offer a variety of situations for the seller but determining the MAO between the two has been a challenge.1) Cash close quickly- which would be a lower offering price if I was using my own money to both purchase and fix2) Creative Way(Subject To's, LO, Seller Finance) Which the seller would get more at closing since I am only using my money to do the repairs, some holding cost etc.For now, I am mainly interested in using these terms to FLIP so my questionIs there a rule of thumb or % ones uses to determine a MAO using these scenarios?

By no credit do you mean a 'lo-credit score'?