First they said the personal unsecured loans were 11% and then they denied my request.3 months ago I had reached out to about 10 hard money lenders and kept a contact sheet with their terms in it.  

Get an authorization letter from the owner, call the servicing company, and find out exactly why the short sale was denied.

@Paulo AscurraIt depend on your comfort level with investing remotely - some folks like to be able to reach out and touch their properties and whether you intend to go-it alone or find local partners where you invest.While I still follow certain areas around MTL (I use to live in Saint-Jean-sur-Richelieu and on the island (st-denis) many, many, years ago), like much of Southern Ontario, it has been quite some time since I have come across a deal which be sufficient reward for dancing with Le Regie or the Landlord and Tenant Board.

its an MLM type structure although those in it will deny it..

This means the bank will deny the loan and the wholesaler is left holding the bag.

I would have just trusted your gut at the beginning and said no, you don't need a reason when it's not a protected class you are denying.

People do it illegally all the time, until someone rats them out and they get shut down,  Also, I wouldn't want to have an insurance claim (especially a fire or some large liability issue) for fear that the claim would be denied once the true usage of the property was discovered by the ins. co. 

I sent a colleague request and it got denied.  

Assistance animals, including service animals and companion animals, are NOT pets.Because assistance animals may be any breed, size, or weight, housing providers should reasonably accommodate a tenant with a disability-related need for an assistance animal by waiving any size or weight limitations that might otherwise apply to pets.When can a housing provider deny an assistance animal?

What I mean by that is starting off by looking at your finances as if your goal was to go get a bank loan-  - Keeping a budget and a writing down where all your income and expenditures go - Check your credit on bankrate.com- Go to a bank and ask them what they would require to see if you were applying for a home loan (hint: tax returns for previous 2 years, W2s for previous 2 years, pay stubs for previous 2 months, a personal financial statement, bank statements)-You might get denied, but the whole point is to get organized enough so you learn about the process by doing.