Most don't engage in forward looking planning only in rearview mirror reporting. 

If you’re doing a straight forward investment property purchase, I recommend you try to connect with an investor focused mortgage broker or lender.

I applaud Brian for personally reaching out to respond to the situation and make sure things are addressed going forward. 

I’m excited to make this opportunity a reality but want to ensure that I bring the right partner on board to make it a win-win situation.Looking forward to hearing your thoughts and thank you in advance!

If I move forward will have to link up with someone for sure.

Best of luck moving forward.

Here is some key information:Property recently hit the market and has 2 cash offers alreadyThe seller provided a pre-inspection report, which I shared with 2 different lenders, both think it may fail conventional financing due to potential structural and electrical issues (realtor thinks it could pass conventional)Seller has 100% equity but is behind on other payments (not sure of the urgency money is needed)This is my first attempt at an “investment” property so I’m new to thisI see 3 optionsMove forward with an offer using conventional loan pre-qualification-Not as attractive of an offer to the seller-Possibility that appraiser calls out structural/electrical issues that need to be fixed before closing, effectively causing financing to fail- Best terms and fewest loan fees for meUse a rehab style loan such as ChoiceRenovation-Even less attractive than a conventional offer to seller, but less risk of failed financing if appraiser calls out issues-Slightly worse fees and interest rates compared to conventional-Lenders tell me possibly up to 60-90 days closing in some cases, with red-tape for contractor requirements and draw schedules (sounds like the most hoops to jump through during rehab)Use a hard money lender-Most attractive loan option I can give to seller so I can compete-Much higher fees and interest rate for me-need to refinance into a conventional at the end of rehab (not familiar with seasoning periods but I think this is a factor as well)Which option would you do?

When I maintained my position that I wouldn't be paying 10K up front, Dmitri then insulted my section 8 investing knowledge and suggested that if I wasn't ready to move forward, then it was because I didn't understand enough about section 8 to begin with.

Not to mention what one could buy at, especially the rates, of 5yrs ago, is radically different today and forward cast.

Staying away from them and Disrupt Equity going forward.