Lenders have been accommodative for the last couple of years because they were facing a declining market with no buyers. 

They've experienced a couple of murders I think in STR and some prostitution problems. 

It has been a couple of years.

I know some good people that have went to dinner, had a couple of drinks, drove home, and got pulled over.

There's a couple things you could do.

I have a couple recommendations for areas to invest in right now if you want to connect!

Haha I could spend 10m in a couple weeks.

The only exceptions I can think of are a lack of experience frustrating your financing process or where the GC has such a well established brand that a buyer will pay a premium for a home built or renovated by that particular contractor.

I live in the US full-time and visit a couple times a year. 

This is something that could have been moved for a couple hundred dollars.