I suspect their criteria increased to re-alight with risk. 

Your insights on potential risks and pitfalls associated with this acquisition would be invaluable in guiding my decision-making process.Thank you for your assistance.https://www.biggerpockets.com/analysis/rentals/8cd3ed2b-b98d...Thanks, Krishna

Many of the people here on BP unfortunately do not understand how to evaluate risk - because if they did they would not be doing a lot of these creative finance deals we are seeing that include having to borrow for the down payment because they have zero liquidity.

This isn't much different then investing in the stock market... there is risk and there is reward.  

There is opportunity but also a lot of issues and risks.

You ne­ed to think about your short and long-term investme­nt goals, study the market, weigh the­ risk, and consider operational involveme­nt, cash flow, local rules, and networking.

This is because value adds require work and have a certain level of risk. 

The only exception(s) to this (if any) are the items reflected on theaccompanying Escrow Holdback Agreement, if applicable.Citizens is authorized to disburse the final draw in the amount of $________________ in accordancewith the executed Disbursement Authorization on file.It is understood that, in the event the Borrower(s) are dissatisfied in any way whatsoever with theremaining construction after completion by the General Contractor, their sole recourse is against theGeneral Contractor.Borrower(s) and General Contractor, jointly and severally, agree forever to fully protect, defend, andsave harmless Lender from and against any right, interest, claim, and each and every of them, ofBorrower(s) or General Contractor against the Lender, against all losses, costs, damages, and attorneyfees and expenses of every kind and nature which the Lender may suffer, expend, or incur under or byreason or in consequence of holding the remaining proceeds as provided herein."

I know there is a risk of being fined, but I'm seeing other flippers turn homes around in 30 days sometimes and there's no way they got the bedroom permitted. 

Define your investment goals, including target market, desired cash flow, investment timeline, and risk tolerance.