Or should they be extending credit to you and wait for you to reimburse them for the expenses they incur on your behalf, since the income isn’t first flowing through them?

Also deals that have been on the market for an extended period of time.

Changing up the bathrooms - adding a wall, moving a water heater to create a bath shower combo, removing a tub to create a walk in shower, moving a toilet over, dividing a bedroom and extending a wall, creating a bedroom etc.

Another contractor told me it has been extending his build time 2 plus months.  

Are they willing to extend the payment period or work out another payment plan.2.

Deal:ARV of $143KPurchase of $75KRepairs are $25KTotal capital is $100K (70% of ARV remember)Turn around is 4 months Draws 8 This is what the Hard money lender terms would look like;LTC (loan to capital) 80%Term 6 monthsInterest 12%Points 2%Misc fees $1500(add ext fees if extending if not ideal stuff happens for an example ) 2 points for 6 month extensionInspection fees of $175 each (remember an ‘inspection’ for each draw to make sure you’re doing the work they think you’re doing with hither money)Now if this flip takes 4 months, here are the total carrying costs;Total loan amount cost $100K (.8 how much lent ) = $80K The two points at 1% = $80K x .2 (for two points) = $1600Interest so the amount lent of $80K x .12 (12% interest) = $9600 in interest (the total ANNUAL interest) so to carry that for a total of four months would be $9600/12 = $800 in the deal for 4 months = $3200 in interest payments Inspection fees cost (remember 8 @$175 each for each ‘draw’) = $1400Now if you didn’t exit the deal in 4 months and added the extension of 6 months you’re adding in the points for the extension (avg of 2 points per 6 months) So points $1600Misc $1500Interest $3200Inspect

That would extend closing day +10 days closing due to investor doing his due diligence.

Like the extended McKees family are just coming out of the woodwork anywhere else?

Most builders work on credit and they rely on closing these deals to stay in business or they need to extend their LOC timelines. 30 days net is pretty common so there's a good chance everything in your house is paid for, either out of the builder's pocket or out of his/her bank financing, which then carries the note payment.

When a rate is locked, you have "x" amount of days to finish the loan or extend the lock.