Because the home lacks flooring and a finished kitchen it does not qualify for a conventional loan.

It's as if they think losing money and a bit of time is the worst possible thing that can happen to you.

I'd bet by the time you pay that loan off you will not be able to get a loan at 4% anymore.If you are a prudent investor you should be able to earn more than 4% elsewhere (SP traditionally has returned 6%, and is the most passive investment you can make) and as RE investors we certainly seek returns in excess of this, so don't worry about paying down that mortgage so quickly.

Here are couple of properties he presented to me:http://www.har.com/20610-alfonso/sale_27394662http://www.har.com/1931-jara/sale_36330833http://www.har.com/1839-jara/sale_54971563Are these worth pursuing with 25% down and a guaranteed lease agreement for the first 2 years with a return of 7.5%?

My team consists of myself and a lead carpenter.  

And as far as streetside lines go,  this runs through a major commercially trafficked road, not a neighborhood and one of my friends owns a duplex just up the street and confirmed the gas line presence in his.

Hi,I'm interested in a granite source and a flooring installer and/or source.

For any property on the MLS most agents are going to want to see one of two things from the buyer:  Proof of Funds (i.e. a printout of a bank statement with your name on it and a balance at or above the offer price) if it's going to be a cash offer; OR a pre-approval letter from a lender if it's going to be a financed offer. 

On my settlement statement and a provided invoice from the contractor I was actually charged $2,325, $225 more than quoted. 

That can make the difference between a 40k per door property and a 125,000 a door property.With the online retail business a lender will want to look at how stable the cash flow has been year over year.