Current flip-to-rent project is unfortunately in a standstill while I await drywall :-(

Cal where I live, is very slow, almost to a stand still.

I can’t get there if I stand still or go backwards. 

However, because that is something I'm working on, I wasn't sure if financing would be at a standstill until my score improved.

Your "standstill" is due to the properties you already bought.

Of course the bank says "no problem", I start the process etc, then after credit pull and everything state "thing's have changed and you cannot own more than 3 investment properties" so now I'm at a standstill and they want to push me to commercial side, which in this case is requiring them to take my first and have to refi the balance and lose my rate and then tap a HELOC afterwards at commercial terms.

We were at a stand still because we needed the house to be at a certain price point but she ( the seller) wanted $15000 more.

I bought a condo in downtown Hollywood , Florida a year ago with the intention of making it a short STR unfortunately the rehab phase is almost impossible since I can’t get dependable contractors to do the work. That ...

So we had to put that tenant up at a motel while my property manager got the work scheduled and, surprise surprise, because of Covid, all the local permitting was at a standstill.

Seems I'm at a standstill until I can get over this hurdle and I certainly don't need the 1-800 number until I have a licensed servicer and the appropriate letters sent out from the servicer.