I receive emails from them frequently, but I have not had time to really go back and try it again. 

SBA lenders underwrite to the tax returns, so if those don't show a profit (at or least a profit after reasonable add backs), you likely don't have a deal.2) Lack of documentation - SBA is doc heavy.

From there you can cultivate the relationship by email / calling them to stay top of mind for future leads. 

Proper documentation and consistent reporting are crucial to ensure compliance with IRS requirements.

If you are interested, please shoot me an email or text to connect (contact info is listed in my bio).

Document all of what you do if you are going to get it done for them, and/or if you cut them a check then make sure it is in writing that it was all done and they cannot come back to you at a later date asking for more money/mitigation.  

What documents do they require, what credit scores do they allow, how do they verify previous rental history, etc.?

So creating all these funky financials is great, but if you are using those in a presentation that information should be in the PPM or an official document as if someone is making a decision based on that - it can come back to bite them.

Since most properties on the market here have inspections and a disclosure packet up front, it will be difficult to get those documents without MLS access. 

Potential ChallengesPrepayment Penalties: Check your FHA loan terms for any prepayment penalties or fees for refinancing before a year.Appraisal Risks: Ensure your property’s renovations are well-documented to support the higher valuation needed to pull equity.Lender Requirements: Commercial lenders may scrutinize your LLC’s financials and operational track record.