I can tell you WHY.I have had this conversation with other hard money lenders in my area.When the market was hot years ago rehabbers new and old could make multiple mistakes and still make a profit and a buyers could fog a mirror and get a loan.When the market started changing you could now do flips but if you made just one mistake on a rehab you might break even and a few mistakes you would lose your shirt on a rehab.In some states the foreclosures process is long and costs are high to a lender.HML's were not checking credit before or it was at 580 score.Now HML's are telling me they want people with good credit and high scores.WHY??

Listing on MLS can lead to faster sales and a 17.5% higher selling price compared to off-MLS homes, potentially resulting in thousands of dollars in extra proceeds when selling through platforms like Houzeo.The latest real estate statistics in Michigan mirror the national pattern of strong demand and limited supply.

100% new photos, if anything remove the photo with your reflection in the mirror.

The no doc, low doc anybody who could fog a mirror mortgage qualifications were predominately owner occupants not investors. 

I own a rental business and I'm not sure that a MBA would impress my boss (but I'll ask when I see him in the mirror).

Catawba Indian Nation is seeking to "mirror" the compact approved for Cherokee casinos in western North Carolina, Harris said.The Eastern Band of Cherokee Indians has opposed the Catawba casino, saying the land where the Catawba casino is planned encroaches on Cherokee aboriginal territory.The 16.8-acre site is off exit 5 on Interstate 85, at the intersection of I-85 and Kings Mountain Boulevard.

     - All fixtures, vanities and plumbing except toilets, mirrors & accessories (paper & towel hangers, etc...) would be in first

There is a lot of glare from the windows. you cant see the nice blinds, and there is a person reflected in mirror!

Just putting them in my rearview mirror and freeing up my property is worth a lot.  

Here goes:My deal is a triplex with a potential Subject-To, Mirror-wrap or anything else creative I can do.VA loan 2.6% 28 years left341k left on loanCurrent property value 400kmortgage is $2046 / cash flow is about ~200/month with current LTR all 3 units occupied after reserves.Owner is going overseas at the end of December and either needs to sell, do creative deal or get a property manager.