Choosing the right lender for a HELOC (Home Equity Line of Credit) can make a huge difference depending on your goals.

No social or credit pull needed upfront. 

.* Receipts and Expenses: Once I brought to Jenny's attention that we were 20k above budget, she refused for days to give me the receipts, saying that I needed to give her my credit card statement first.

Private lenders tend to focus more on the value of the asset or project rather than your credit score or financial history.

Since they're low income/tax credit, they just don't make the kind of money needed to pay those huge premiums.

Either way its good to buy end of year as most builders and sellers are offering seller credits or builder credits to use towards closing costs or to buy a rate down to help get a lower payment.Even if you wanted to buy a strater home like a 2-4 unit as a primary again you only need to put 5% down. 

For big BRRRR projects, hiring a project manager or having boots on the ground can be worth the investment to keep GCs on track and catch issues early.I’ve had OOS clients who’ve been successful both ways—some met their GCs in person and others didn’t.

Also credit score 680 with no missed payments over the last 2 years and also check their criminal report just to make sure you know who these tenants are, as the eviction process in New York city is very long and expensive. 

Do you have W-2 Income, 20% down, reserves, and a decent credit score?

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