This was a cost-effective way to meet our requirement of providing just a stove and refrigerator (we don’t include washers or dryers), without breaking the bank further.But here’s the twist: If we were upgrading appliances for a long-term tenant with a stellar payment history, we might invest in brand-new appliances.

Raleigh is in a flywheel effect. 

He offers really good service, great cost effectiveness, and currently finished one in just around 3 months. 

I only use them on wrap/subto/seller finance transactions.

That means there is not really an effect on the debt to income ratio neither positive (income) or negative (loss) but rather simply making that payment  non issue. 

The ability to get funding in just a few days can make a world of difference, allowing investors to act quickly and lock in the best opportunities.I’m curious, in your experience, what strategies have you found most effective for building strong relationships with reliable direct lenders?

The only approach I’ve found effective is offering a deposit alternative, which lowers upfront costs for tenants without devaluing your property.

Quote from @Chris Seveney: For those experienced in private lending: This question was posed to me in my membership group from an investor:What strategies have been most effective for scaling your loan volume to $5M+ per month?

You also will still need to manage your property manager  - ie, stay on top of expenses, ensuring your property is being managed effectively etc. 

All real estate transactions in SC must be conducted by real estate attorneys.