For those who read this later: The posts above represent people who actually do know and understand what they write about, so this is not meant to reflect on those individuals.

I'm finding when I look at a given property, I get inaccurate comps in two ways: 1st, a property will show up in the list as a comp to my subject property but have a REALLY low sale value; upon investigation I find that the property acutally hasn't sold in 10+ years but PropStream thought it was comp; 2nd, a property will show up as "Sold" in the MLS status, but all ownership and transaction history tab don't reflect the new data.

I think the OP was asking whether a single lender offers a 100% (acquisition and rehab) loan, to be kept in-house.My original answer reflected that no HML in their right mind would do such a thing.

This modest increase reflects a market that is steady and dependable, offering a solid investment for buyers.A significant change to note is the median time to contract, which has lengthened to 51 days—a 59.4% increase from last year.

Accurately meaning reflecting the increase in value the ADU will bring to the property.

Hardpulls typically are good for only 120 days or less, and they will reflect on your report/score. 

They have made it clear to me that they refer to me because they are comfortable/confident that I will take good care of the client which reflects better back on them, keeping their reputation strong and earning them real estate referrals from the client if they end up happy with the whole experience (which is much more valuable to them than a few hundred bucks from me). 

So here’s what I do - I make an offer that reflects WHAT I WANT!.  

If supplying a washer/dryer is pretty standard in your area (seems like it is in many TX markets, but not mine in CA) then I would add it, but make sure the rent reflects it.No furnishings supplied unless its a STR

After a deal we've been working on fell through and deal flow being light the past two weeks, it's been a good point of reflection.