It could be some sort of skill set for renovations, design for furnished rentals, specific market knowledge, owner occupied loan products for a house hack, etc. 

Great tools that get updated regularly.I am on the lending side of things and would be happy to hop on a call with you anytime to discuss financial strategies and help answer any questions you may have about nearly any loan product available to help you on your journey, even if they are not products my capital partners offer.We are all here to help you learn and grow.

Loan terms seem reasonable.

with an FHA loan How did you add value to the deal?

Finally, don't get caught up in analysis paralysis.

It sounds like the issue is with the Debt Service Coverage Ratio (DSCR), which lenders often use to determine how much they’re willing to loan.

Have you looked into DSCR loans?

So the seller cannot go get another loan for a car, house, apartment, etc. so it damages their credit by stretching them too thin.Am I missing something? 

The walls in your own house are going to be covered in scuffs and marks but for some reason the buyer completing their final walk through will have heightened awareness.

Do you mean Home Equity Loan?