They get high ratings (meaning they are considered lower risk) because they are underwritten to stricter guidelines. 

Always run title to check for any clouds, try not to gamble on super small tracts of land like this unless confident in own title searching capabilities.

Short term "quick money" kinds of opportunities don't really appeal to me as I view it more as gambling.

But if you're considering converting a basement into an ADU, make sure to check out the county guidelines to stay compliant.Hope that helps!

Please follow all guidelines when posting about your horror story.

All this to say, my base case is that right now rates are the lowest they've been in almost a year and it's more of a gamble to wait and see what the Fed does than to take what we have now.

There are some guidelines in place that limit the total exposure to 80% LTV which is good.

Conventional guidelines will ask you to have owned the home for 12 months before you can do a cash out refinance.

Also, do your research on emotional support animals as that too has gone "rampant" in Columbus this year - you have to allow them but, you need to know the guidelines, rules etc.

A lot of being an investor friendly lender comes down to understanding the investment process, including how credit guidelines support and conflict with typical investment strategies.