One thing to keep in mind, most lenders will require that you have owned a property for 12 months, and have two active trade lines on your credit for 2 years or more.

@Stuart Udis A contractor should Never put their funds or credit at risk on a customers project , the only exception to this is if the contractor is offering financing . 

They all push ‘flipping” houses, and the ability to do so with “no cash or credit”.  

On a max LTV what is the typical DTI and required credit score?

This is one of their biggest advantages as they often bypass the personal liability and credit reporting of traditional loans.

If they represented pads that didn't exist then it would seem fair to ask for something of a credit (20k?). 

Excellent credit and a 30% downpayment. 

Therefore, they might go for the agent who is willing to offer the lowest fee or go directly with the listing agent.For our deals, we will still be offering at least 2% to the buyer's agent because we would rather have a large pool of realtors bringing their clients. 

I plan to do my own background, credit and eviction check. 

A mentor of mine with 400 units had said I can use a large seller credit to cover most of the down payment on a property I'm looking at.