But it's extremely common here for new folks to come on BP with broad stroke questions, without realizing the forum is a searchable database of scores of common questions with a plethora of answers already posted.Mike

We were one week over our original schedule (unfortunately our budget was much further off and my most off budget ever).- is your mentor unable to provide referrals, insight, assistance?  

I have $80k liquid in CDs and savings accounts in the bank and a credit score between 760 - 780.

Originally posted by @Sidney Wilson:I understand that it is sometimes easier to have a broker do the work to find a lender, but the 1% + I always paid to brokers was a fairly significant cost.

Originally posted by @Erik Peddle:I just won some bids on this site and am emailing with one of their people. 

Originally posted by @Michael Noto:We provide a fridge and a stove and also supply washer/dryer hookups but not the washer and dryer itself.As far as dishwashers go we only supply them in the better neighborhoods we have properties in where we feel the tenants have more of a likelihood to use them responsibly. 

Borrowers are not allowed to complete any of the work themselves as sweat equity.Loan to Value Calculations:The original principal amount of the mortgage may not exceed Fannie Mae’s maximum allowable mortgage amount for a conventional first mortgage.Purchase: For a purchase money transaction, the LTV is determined by dividing the loan amount by the lesser of the “as completed” appraised value of the property or the sum of the purchase price of the property and the total rehabilitation costs.Refinance Transactions: For a refinance transaction, the LTV is determined by dividing the original loan amount by the “as completed” appraised value of the property.Eligible Renovation:There are no required improvements or restrictions on the types of repairs allowed.

The worst lenders I have dealt with are the ones with underwriters in one time zone and origination department in another, branch manager in another that don’t communicate well with each other and end up over-promising while not being able to deliver.

Xactus offers soft and hard pulls for originators 

The banks you are speaking with either do not originate conventional loans or the LO simply does not know how to originate them.