Call 3 references:  Verify that they work there, or that it is an actual person by asking where they work first, and don't mention who you are until after.  

*Local Eyes – By collaborating with experienced realtors, contractors, and inspectors, you can source hidden gems and dodge expensive mistakesThe Renovation ProcessThe secret to fix-and-flip success lies in renovations that help maximize the value of the home without breaking the bank.

The best banks that I have found based on your main concerns are smaller, regional, community sized banks.

If you want real cheap go to the local food bank.  

I personally use Quickbooks online and have a virtual (remote/nonlocal) bookkeeper.

Remember there are income limits, contribution limits and other personal factors to consider.

Someone with $10M in the bank in cash just needs to put a lot of money to work and time value and tax write off is more interesting to them than a hungry investor in their 20s that has never found a deal.Honestly, books are great, but they are about as "boiler plate" as you can get as I'm sure you're discovering.

We don't tend to get them when buying from a bank (because they usually won't budge on price) or wholesaler (who often provide an inspection) but do our own thorough inspection. 

Matt that is the NMLS number for the company not for you personally  sounds like your a VA or something not a licensed lender..

Quote from @Melanie Baldridge: In 2025 the bonus depreciation rate is 40%.This means that if you bought a property for $1M in 2025, did a cost seg study and found $300K in eligible assets that you could depreciate, you could take 40% of that $300K as bonus depreciation to offset your income in the first year.40% of $300K = $120K.You then apply that $120K to the owner’s personal tax rate to find the final amount that they can defer in year 1.If your tax rate is 37%, you can defer $66.6K.This is a big deal even at the 40% bonus depreciation rate this year.It’s a massive benefit