So often i speak with flippers who put too much money on their personal cards and tank their scores.

It's like the person who goes and buys a bigger tv because it's 40% off when you had a perfectly working tv.

And for many investors, the gas tank is on empty, there's only one draw's worth of money left. 

It's not perfect, but it helps.

That said, if everything goes perfectly with no issues, changes, or questions, my main gripe is that it takes a week to get my money in my account. 

First you need to learn to separate the following:Maintenance: usually things related to wear & tear or tenant damage.Repairs: usually broken items like doors & windows, caused by tenant or nature.Capital Improvements: usually expensive things that wear out: hot water tanks, furnaces, roofs, etc.The seller is correct that Repairs & Capital Improvement items should not be a factor for awhile (ALWAYS get your own inspection to confirm).

From what I have read, it is perfectly legal to evict someone in the winter.

Makes perfect sense.

So now they start doing things to scratch that itch, and it starts unraveling the "perfect" Sub2 deal. 

As you know, I sold 3/4 of my portfolio (thousands of units) right before the market tanked in 2022 and I haven't bought anything in over 3 years.