If I was a betting man, he may have sensed you were trying to treat the loan as commercial versus residential.  

Apparently is you do more than $500 worth of improvements you need a licence.There is another post on this subject.Washington state anti-flipping law (SHB 1843)

rent roll, maybe get a couple years Schedule E if possible, list of capital improvements completed and those that need to be done, lead paint or not?

I believe this was driven by the site versus a person since the bid increments where supposedly $50K chuncks.  

Mark just make sure whoever you get that they are familiar with investors and what they want to do versus a home owner inspector that might look at things and say the buyer can do that later etc.The flip investor needs to do it all now to resale.

Since our background for 35+ has been new construction production builders, we prefer the term redevelopment versus rehab or gut rehab.

Where I am $10K is barely enough for a down payment on a rehab property and that wont leave you any money for the actual improvements or holding costs.

I will never stop trying to improve yet I will never be perfect. 

I think having double tie downs on the roof trusses versus single or none can make a difference in your rate....and so the roof doesn't fly off in a hurricane.

Keep in mind that if you change neighborhoods and deviate from the list of improvements your costs can change significantly.