A standard mortgage loan?

Lending standards are already tightening; subprime lenders are going out of business; foreclosure rates are high and increasing; and a recession is due.

I have no desire to be rich I am only interested in maintaining my present standard and my rental investments will do that.

There you can actually pull down the standard report form that home inspectors must use.

Likely you will need to list all deals even if you have an agreed sale already lined up (immediate sales pending status).A license means you are armed and dangerous so the courts hold you to a higher standard than an investor.

Well my calcs actually were at .75 ARV, and that usually includes your 10% cut, thought that's just from my standard calcs, though thats to get in the ball park.

I can stay on the golf course every day if I dont' see something that meets my profit standards.

Here in CA there are three such standard forms that I have hear of, one is the CAR form.

Wholesalers tend to make the difference between what they got it under contract for and what they're selling it for, IE if you get a 160k house under contract for 120k (70 cents on the dollar) and sell it for 128k (80 cents on the dollar), you collect an 8k assignment fee, as opposed to the standard 1k that most birddogs get (though higher rates exist).2.

Taking a 3-5 year viewpoint of cash flow (review leases, rent rolls, etc.) and expenses (review tax returns, P&L statements, etc.) will allow the investor to budget for such incidents you speak of and is far more exacting then the standard rationalization you suggest.