Cashflow and the ability to use the property.

Lates on a mortgage trade can impact your ability to get loans in the future. 

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Again, I’m not sure if these guys do this to everyone or if their customer service ability as partners is just terrible.

They will likely have the ability to generate them.Disclaimer: While I’m a licensed attorney, I’m not your attorney.

for sure its legal as long as you use an MLO to do the loan and adhere to dodd frank rules for qualifying the borrowers ability to pay.. 

I can buy a 2-4 unit with 20% down vs conventional can only buy a 2-4 INVESTMENT property with 25% down 4. there are options where DSCR loans dont repot to personal credit, helps in not having to show a bunch of paperwork or not one person in a partnership has to carry the debt5. way less paperwork to close on this loan type vs a conventional loan. we care about the income of the property you're buying and it's ability to service the debt of the property whether we use long term rents income, lease income, or air dna/bnb income.6. easily buy in partnerships, add people to your operating agreement, its as easy as that so bring partners into a deal. helps with scaling and raising capital or getting partners involved7. gift funds allowed to close on these as well, and like I said earlier, there's only a 10day seasoning period of funds with some lenders so that means you can literally have a private money lender deposit money into your account 11 days before closing, and you can use those funds to close!

You have to evaluate if the borrower first has the ability to pay, then do they have the willingness to pay. 

That gives them the ability to maintain control over the entire real estate investing process, from acquisition to renovation and then resale or lease and manage the properties in house.

I emphasized the quick closing timeline and my ability to pay cash via hard money financing to strengthen my offer.