I don't know that I totally agree with the description of hard money vs private money that @Matthew Nixon gave.  

Nothing seemed to be like the descriptions and pictures of the place that I had seen prior to actually visiting the property.From the pictures I had seen, there was some work that needed to be done sure, but it seems like they were strategically taken to make it seem like there was much less work to be done than the reality!

If it's a lender we know nothing about, they strongly encourage the buyer to at least do a phone application with our preferred lender so we know that the buyer is good.For this particular property - make sure you have fantastic pictures, reduce the price to your contracted price, and talk about that in the descriptions.  

Although, he may not quit claim to you if he can find his own buyer who will give him more than you will.Also, the bank shouldn't be able to go above initial loan balance unless there is a description of fees.

I think it would be of benefit to our entire community to find a detailed description of a recent flip, complete with numbers, pictures, and more, here in our real estate success stories forum.Lastly, It's my belief from the tone of your post that you intend to follow the letter of our terms of use but perhaps not the spirit of the community here.  

Fix and Flips are geographically driven.

Geographically you're fine, feel  free to raise another $100M. 

Once you get more than 3 units you can't use the exceptions in 803b.https://www.justice.gov/crt/fair-housing-act-2You may be able to get away with saying something with the full name of the school in the description.

Debt to income to high... not enough money down... geographically to far away...

My goal is to refinance all three properties under one loan, while using the equity from the combined properties to purchase a fourth multifamily complex at the lake of the ozarks that I have found and meets my financial goals.I am struggling to find a lender that will participate in my plan, (I have spoken with three) most have given some type of reason why they can't participate... 1. geographically the properties are not in their territory or one is and the other isn't (KC is approximately 3.5 hours away from lake of the ozarks)2.