Trial and error but you will find people that will take the time or a bunch of different people that will give u time.  

There's a lot more variation in the commercial space than in residential.  

Of course, there is always variation in estimating ARV but intended use is not usually a factor.

Offense - Felony - MisdemeanorCrimes Against a Person or Property - 10 years - 3 yearsDrug Related Offenses - 10 years - 3 yearsTheft By Check Related Offenses - 10 years-  ApprovedWorthless Check and/or Bogus Check Related Offenses - 10 years - ApprovedSex Related Offenses and Terrorism Related Offenses - Declined regardless of timeProstitution Related Offenses - 10 years - 3 yearsWeapons Related Offense - 10 years - ApprovedCruelty To Animals Related Offenses - 10 years - 3 yearsAny Other Felony Offense Felony offenses that do not fall within categories above, (ex:traffic,DUI) 10 year time frame; 5 years for felony DUIDeferred Adjudication and/or Adjudication Withheld - Off probation/parole for 5 yearsPending Cases and/or Arrest Warrants - ApprovedActive Status on Probation and Parole - Off probation/parole for 5 yearsPre-Trial Intervention/Diversion - ApprovedPETS - In terms of pets they have a list of restricted animals.INSURANCE - Finally, they require a renters liability insurance coverage of minimum 100K with the rental property identified as "Property of Interest" on the policy.Anyways, I picked up a few useful tidbids going through it. 

Apparently the sister and the guys Parents were making the monthly Mortgage payments till after the trial was over and a conviction was had .

Lenders will have small variations, but for the most part, they have certain limits.

You will likely find most have learned via trial by fire.

My name is Lee Reitzel.Im a hard working young man 22 years of age , from Long Island NY.I came from a long way of trial and tribulations and just looking for a positive role model in the real estate business area.

They have 15 days trial if you want to give them a shot.

The best lists come from trial and error.Good luck!