Most non-qm loan products will never have a 95% LTV due to the inherent risks associated with these type of loans not being traditionally backed by fannie or freddie (investment banks).

If it's a contact, then you can work with your cleaner to be that local contact.

If they try to pay their labor as 1099 they run at great risk of violating a host of draconian labor laws such as AB5, the borello law and a litany of "misclassification" laws.There are substantial differences in how "right to work" statstate as operate as opposed to "non right to work" states.SBA defines a small business based on employees and revenue size.

I have lists of contractors, handymen, cleaners and whatever else you may need if you need me to send. 

@Charles Kao I believe he means attorney & Title Services that are familiar with non traditional or creative Transfers or Sales of property that don't include Banks.

Sellers rarely mind the low deposit and extended closing period due to the nature of the property, or at least they can be made aware of the fact that their lot has issues that will take MY time and MY money to solve and then they come around.My terms on the flip are: Minimum 10K spread between purchase and flip value.  1-2K deposit upfront to hold the property for 7 days then the deposit becomes non-refundable after the 7th day and the buyer has the same amount of time that I originally negotiated with seller typically 8-12 months(its a purchase contract but because of contingencies its essentially an option).  

If you do not have (2) full years of 1099 you can still get approved for a mortgage using a Non/QM program like a "1 Year 1099" program or Bank statements.

We pay close attention to how people move through the space, creating homes that feel effortless to live in.Outdoor Spaces That Shine: In San Diego, outdoor living is non-negotiable.

All are local to me in a non-vacation rental spot.

My two cents is that the non-live broadcast is a commonly used marketing tool If it was "live" when it was first broadcast, then it is not a "scam" in my opinion but a rebroadcast that does not disclose that fact (not as professional as it could be).