Without the SSN the ability of the CRA (consumer reporting agency) to cross reference information is hindered. 

@V.G JasonThe great MJ DeMarco says that you should become a producer before a consumer, and your statement highlights what MJ says.

If your objection is time, expense and compliance issues, it's not clear to me this alternative is less expensive or time consuming, and likely is even dicier on compliance.

We have high personal income with no consumer debt, so conventional loans are typically more favorable and DTI hasn't been an issue.

IF it is consumer debt you have to work on your financial literacy first.

We were particularly interested in this deal because it involved a light rehab, which is less complex and time-consuming compared to more extensive renovations.

btw, are you the same Jay Hinrichs of "TRUE "WHOLESALE HOUSES" that was sued by the STATE OF OREGON-DEPARTMENT OF CONSUMER AND BUSINESS SERVICES DIVISION OF FINANCE AND CORPORATE SECURITIES? 

The number is ticking up but Ohio is still fine in vast majority of cases - anything over loan balance of $110,223 (2024 limit) doesn't apply - since most DSCR lenders have minimums around $100k loan amount, barely affects thingshttps://com.ohio.gov/divisions-and-programs/financial-institutions/consumer-finance/guides-and-resources/loan-prepayment-penalty-and-adjustment#:~:text=Effective%20January%201%2C%202024%2C%20no,loan%20of%20less%20than%20%24110%2C223.

A box of 6 flushmount LED light fixtures are about $80 and they each consume about 12 watts.https://www.lowes.com/pd/Project-Source-6-Pack-9-i...https://www.lowes.com/pd/Project-Source-4-Pack-11-...

The government has an interest in ensuring its populace isn’t exploited and consumed.