Your profile says you are a broker, you should be well versed in fiduciary laws. 

I have caught out at least one red-handed, but that is because they were incredibly dumb in picking the identity of a high profile veterinarian in NYC to post their fake accolades. 

Also owner finance properties typically do not show up on your credit profile unless the loan servicer reports it, Which is not usually the case because reporting cost more.

OK, those last three are all related.The problem is your profile.

@Nicholas Estevez nothing questionable about a direct lender without a profile picture ;). 

Check out everyone's profiles (including mine) so you can find the right fit. 

To ease my anxiety, I went to check out their Facebook profile again (I did this prior to approving) but was looking more closely. 

Hey, there are actually a few things you can do which im sure a ton on folks mentioned on here. you can JV with someone with a stronger credit profile, there are a few lenders that are asset based lenders who will mostly look at the asset and lend based of that but if you have someone with experience that can help strengthen your case, some of those lenders will also do low credit lending with higher rates but they will want to know why credit is low.

Luckily BiggerPockets has this on everyone's profile.

The system has a limit on the file size/resolution of profile photos.