Some lenders specialize in working with investors and may be more flexible with credit score requirements for multi-family properties.If traditional lenders are unwilling to approve your loan due to your credit score, consider alternative financing options, such as working with private lenders, seeking seller financing arrangements, or partnering with other investors.

Some people get tripped up thinking "I bought all this raw material and left it on site, and that should count toward my value". 

They are great for storing materials on the job site.

Alternatively, you could join some RE Facebook groups and ask for recommendations there.

With the increased cost of materials and labor their losses are exceeding policy income.

The contractor takes that money and buys some materials and holds some money to pay his labor for a few weeks and then he can work off the draws from there and then at the end of the project you get your 20% back minus draw fees.   

Include cost estimates for materials and labor.

If you do sell, what do the alternatives look like? 

It's been a great alternative that  some lenders have expanded their DSCR to 5 - 8 Apartment Units.

Any alternate options I have here?