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Hi Shakti, As a lender we do work with US-visa holders as long as they have an established credit score in the US.

Not saying there financials are not good, but usually if someone is not submitting them and freezing withdrawals there is a reason for it....TLDR version: Do not expect your $5k back and write it off as a lesson learned and would not spend anymore $ or time trying to chase it.

Some lenders do have minimum credit scores to access these loan types, but it is the exact same qualifications for income and assets as non renovation loans. 

Credit score does matter but they will lend on a per property basis out of your available LOC once they approve a line...again mostly based on your available cash and credit score.

What's your credit score looking like?

As long as you have a credit score of at least 620, an HML/PML should be a good option for you.

I am seeing high 6s at 75 LTV with a 720+ score. 

@David RobertsonFor what it's worth I've been playing around with your beta version of Flipper Force and would like to say; it has the potential to be a game changer for the flipping business.

If you choose not to show up, he would almost certainly be awarded a judgement.Of course, you could choose not to pay the judgement, but then he can send it to a collections agency and your credit score will be trashed.I don't see a scenario here where you get through this cleanly.