Given this is the 21st century with internet & AI, you'd think the state governments would create an easier way to track all this!

There's a ton of resources here on BiggerPockets, you're on the right track! 

and for anyone that doesnt know, this guy helps track a lot of ways to get points.https://thepointsguy.com/

That is why the acronym BRRRR is so popular and it has a track record of winning because inside that BRRRR is a metric that can be measured and replicated.

They offer competitive terms and have a robust track record, but you may find their rates and points can vary based on the specifics of the deal.Roc Capital: They focus on fix-and-flip loans with favorable LTVs, and they’re known for quick underwriting.

Borrower Types: The Professional - HM Lender will cut sweet-heart deals to keep these borrowers around Experienced real estate investors Regularly engage in property transactions Typically have a track record of successful projects The Newbie - Charge Higher everything as the risk is higher as no experience Novice investors or first-time borrowers Limited experience in real estate Seeking to build their investment portfolio The Deadbeat - Only lend if the deal is so SWEET, they can't lose if they take the property from the Borrower Borrowers with poor credit history or financial difficulties High-risk borrowers May struggle to secure traditional financingThe lender will do an application on the deal/borrower and some standard docs they require are:Hard Money Application / ExperiencePurchase contractARV report – COMPS – See * Redfin*Pictures of Property – most people use Dropbox to shareProof of Funds – Down / Reserves (Bank Statements)Personal identification (ID or passport)But usually if the deal is sweet enough, they will do it anyway because if the deal goes south, there is so much equity/value in the property that the HM lender can't lose.

James Dainard is a prolific professional house flipper, with a track record flipping nearly 4,000 homes in one of the most competitive real estate markets in the US - Seattle, WA.

It's a strategy that has proven effective time and again.Five years is a solid timeframe to account for market fluctuations and ensure profitable sales.

But I'm wondering if the LLC loan is a no-go for banks. 3) Last question- i'm seeing rates on DSCR loans in the 7.2% to 7.5% range, in addition to 1 to 2 points and they likely track 10 yr treasuries (4.26% as of today).

To add-on to what @Russell Brazil detailed, there is some important life changes that can fast-track things.