@Luis Alvarez Thanks for the comprehensive explanation! 

The only explanation I received was that my account was out of compliance.

The rehabs also do not provide me the same sense of accomplishment/entertainment as they once did which is also why this may be my last project as GC    I plan on using a GC next time but have zero regrets having been the GC on numerous efforts.  

I know that on my land listings, which are numerous, activity and pending deals have picked up bigly in the past 2 weeks.  

Numeric key pad!

It can happen but you need to have a seasoned Banker or Loan officer with very lien ant construction underwriters.You will need a solid and very descriptive "LOE" letter of explanation and make sure you’re not trying to build a 2-4 unit or a smaller home versus the current homes GLA/SQFT or it will "Not" get approved.

These allrequire applicants to submit an acceptable Letter of Explanation addressing each specific issue and occurrence.Rental HistoryBecause a current landlord may say anything to get rid of a bad tenant out of desperation, we also requireinformation for the previous landlord of all applicants.

A n00b contacted me about the numerous "great deals" he was seeing FSBOs offering on their condos throughout Florida. 

If they thought like a conduit or intermediary, the explanation phase would be a lot easier.No, I am not buying your house.

What was their explanation?