I use the fix and flip tab and it's great it tells me my allowable offer and all the tools are helpful!

Not sure about the new build side.

I'm still in the process of finding an alternative solution but I thought I'd leave this here as a warning for others looking to make a decision.For reference, I'll just post their email response to me here:As we review your inquiry, we would like to remind you of the following key points from our Terms of Use:In no instance shall ShinePay be liable for any of the following:"Lost revenue from service interruptions.Lost revenue stemming from delays, malfunctions of any product.unauthorized gains access to your account or due to shared passwords or if your password is hacked.Destruction to properly, places, or personal injury resulting from the installation, misinstalling, or misuse of any product.Lost revenue from entering the wrong account number for ACH or other bank transfer or money transfers or due to any delay in receiving funds.Damage to your structure, machines or car resulting from use or installation of our products.Any funds collected that are paid to a person that does not own the property.Any harm from defeating the lock and technology that controls the lock to a device.Failure to properly service any product or machine."

No reserves, Income may be good, credit on the low side and NO Equity in the home.  

When I asked my agent about options to back out, he didn’t really offer any advice.

Currently looking at lots on west side.  

I would suggest getting another full-time job for the time being and investing/doing STR on the side until you can fully and comfortably replace the income that you would be receiving from your job.Is your LTR in need of repair?

Reason being is that it allows you to invest in other products other than they offer, so that's why they don't promote these . 

Both investments can offer tax benefits, but real estate typically has the edge.

However, after their "exhaustive" search of thousands of lenders they partner with, they were only able to offer me one loan.