Lending capacity should only matter to those with large borrowing needs and require large legal lending limits but that wouldn't apply to hard money lenders anyway.

Quote from @Eric Rocha: I have borrowers looking in the South East and Midwest. 

The other part of this is that in addition to this, we are borrowing from our home equity line of credit to put down the 20% deposit- so we have that payment too.   

It can be a very good market, but the why behind your choice may help us give you better advice on how to move forward.Before realtors and property managers, you really need to meet other investors so you are making a good move by trying to do that here, but it would be better if you could do it in person.

The borrower simple starts remaking payments at a given agreed upon date.

Lenders typically allow borrowing up to 80% of the home's value, which could more than cover your renovation costs.Fix-and-Flip Loan (Hard Money Loan) – If you’re planning to sell quickly, a hard money loan could be a good fit.

While algorithms can analyze data at scale, real estate isn’t just about numbers—it’s about nuances and the most important component of real estate is understanding its value, and that to me (maybe I am old school) but can only be done by physically visiting and walking the property.So for me, factors like local market conditions, property inspections, and borrower credibility can’t be fully captured in a formula.

It gives you the flexibility kind of like a credit card that allows you to borrow a certain limit and withdraw funds as needed.

@Marcos De la CruzMost of my rentals, when I first started buying in 2010, were section 8 through the housing choice voucher system in Cincinnati. 

Just because a buyer doesn't fit the bank criteria, does not mean that they are a poor borrower.