We’ll only consider additional debt when it maximizes liquidity or improves risk-adjusted returns.

Return any funds and move on. 

You're running a business and knowing your customers to maximize returns is important.

You will need to supply more detail to your request to figure out which lender might be best for your project.Thanks Steve, Preferably a bank with checking, that will finance multifamily for my LLC, based on the asset and its existing and potential returns not necessarily my credit or income. 

Maybe 5% would be my threshold but still would take putting lots of cash at risk for pretty moderate returns (by real estate standards).

The experts at BP were my 2nd stop as I wanted to confirm my calculations and assumptions on expected returns were in the ball park.I've been a member of BP for a while and you've always had great input.  

But even breakeven on a house in a super fast growing market like Raleigh will statistically produce hundreds of thousands in return equity over time.

As for if its "too late" it all depends on what type of return you're looking for!

The loan application information is then verified during underwriting by income documents such as pay stubs or tax returns. 

I require them to keep it clean and return it clean.