Hi Melvin,Origination charges = 0 [Covered completely with lender credits]Services you cannot shop for = 2725 [This is the VA funding Fee]Services you can shop for AKA title work = 1723Total Loan Costs A+B+C = 4448Taxes and government fees = 3279 & G Prepaids and initial Escrow at closing = 10007Total cost including escrow = 14455

Your low credit score isn't something a credit committee who knows the full picture cares as much about.

House needed a full reno.

Request a copy of the seller's disclosure and ask the seller's agent about the discrepancy and if permits were pulled.#2 Is bad for you.

As part of the renovation, all of these were remedied however the violations were not cleared as I suspect the renos were done without the full permitting.The purchase agreement had a requirement to clear the violations prior to sale but the Seller and I agreed a fairly substantial seller credit to clear the violations as it was recognized there were risks around the renovation work and potential non compliance with permits that I may have to remedy.

Hey Investors,I'm Sean Lin, a real estate investor and agent in Philly, and I'm here to share some exciting news and make some connections!

I don't think I need a service to do the billing as I'd just use my current management company, but I'm open to exploring this option if it makes more sense.  

servicer?

If you end up looking out our direction feel free to reach out, i am an investor and agent.

Getting to point #3 on this, I think this happens artificially to a degree due to the amount of agents withholding properties in Q4 of 2023 because of seasonality.