They could even hire you to do the work on the house and instead of paying you they could just give you a credit at closing.

Im self employed, roughly make $130k gross anually, 1099 NEC , no debt at all, 740 credit score. 

But then because they have established such credibility, they can easily buy now with great rate and terms from lenders because they have the track history. 

Similarly, a credit report fee upfront is reasonable, but these can often be avoided as well.

This is the richest country in the history of the world and there are opportunities everywhere.

I finished all the degree requirements only to discover I was extremely burned out and had to complete another year of electives to satisfy a minimum number of credits at that university.

If comps for a 3 unit property are in the 950k range, then that is what it will come in at.The revenue from the STR will have no bearing on the value of the property itself.People argue about it from time to time, but I spoke with 10 different lenders, banks, credit unions, private lenders, etc etc and they all said the same thing.

Verifying last 2 years of rental history very important!

The property value must be a minimum of $250,000 USD, and the credit score requirement is at least 700 points, among other conditions.

Whether bank or credit union - either will work.