First, it is necessary to achieve favorable financing terms and  secondly, I do believe cash flow should carry most rental properties with limited exceptions.

The under writing doesn't carry for a 1.25 DSCR which (at the moment) is the golden rule for banks and commercial hard money lenders. 

The reno's , accounting, lack of communication would become MOOT.A buyer who didnt take that flight carries on.  

What I'm seeing in the industry as a cautionary tale for you is that simply the reputation of the company is not going to necessarily carry the day.  

Back in 1978 when I was starting my real estate investing career I purchased a SFR for $55,000 (its current value) with $5,000 down and the seller carrying a 30 year mortgage at 5% interest.

It was carried out through zoom so it was very convenient- The employee that I had a meeting with was really professional and nice.

We try to limit as much risk as possible while reducing the capital carry. 

A loan commitment letter carries more weight as it confirms lender approval, signaling a stronger ability to close.Addressing Closing Concerns: A commitment letter meaningfully reduces concerns, especially when paired with proof of equity and a track record of performance, even if on smaller deals.What Brokers Look For: Key factors are a reputable lender, clear terms in the commitment, and evidence of funds for equity and reserves.

I ONLY carry performing debt, debt that pays me to hold it.

Assessing brokers based on their transaction history and success in the market carries more weight than simply focusing on the highest price offered.