What I did find is that as a builder in eastern tennessee, I could build STR cabins for less than 70% LTV so that I could effectively BRRR my way into growth without coming out of pocket for a down payment.Now it does take a lot more cash to do because as a builder I have to front a lot of money at times (land, permits, each stage of construction while I'm waiting on the draw). 

Sitting around waiting and hoping will get you no where.Also, history seems to repeat itself.  

My personal bank will finance pretty much anything I want to buy in eastern TN for 10 percent down, but they don't like car loans. ??!!

As you mentioned, it depends on numerous factors, with pay history being a big one.

That will allow good analysis of sale price appreciation and rental history. 

Many borrowers file this form as an exclusion to their US federal taxes as they may have been taxed by the country where they are earning the income.Required Documentation for Foreign IncomeWhen it comes to processing foreign income for a loan, documents required may include:» Most recent personal tax returns» History of receipt» Proof of continuance of foreign income earnings» Conversion of the income from the foreign currency to US dollarsThese documents must be translated or completed in English so that a loan reviewer can properly evaluate the information provided.Fannie Mae & Freddie Mac GuidelinesIncome from Foreign SourceIncome from foreign sources must be reported on the borrower’s most recent U.S. individual federal income tax returns.

But then because they have established such credibility, they can easily buy now with great rate and terms from lenders because they have the track history. 

However it is largely based off of relationships and working history.

These loans don't require employment history, income, tax returns or DTI.

I understand that is not your history, but that is what you sound like today, IMHO.While the response was very weird and did not provide a date - I would not jump to the conclusion it is a ponzi scheme.