Despite the program's claims of providing exceptional training and support, my experience with Kristin has been far from satisfactory.First and foremost, I find it necessary to address the issue of non-payment.

The rehab expenses don't line up but they are not stealing, I would suggest having a zoom call or sit down with their PM or account manager to see what is not lining up and where you see issues compared to what they have on their sheet. 

Based on your first fix/flip, it sounds as if you don't have any issues doing moderate rehab.

One thing to consider on the credit card option is that a lot of contractors don’t accept them so that could be an issue.

Shayan,Best option to avoid issues and stay risk free along with having a better approval chance would be to go with a Cash out refinance.

@Kayla Elliott  Hi Kayla - this was a commercial mortgage loan with a local bank, that held it "in house" after it was issued. 

The issue is the down payment is over $250k and no one has that or is willing to fork over that amount.

Does anyone here faced similar issue ?

If you do most things right, most issues are mitigated and it's not too bad, but there's no guarantees.

I hope this is a smooth process and I can remove them without any issues.