Vacant , the pros of selecting a tenant that could be recession proof or have stable employment and good liquidity.

And even if a lender doesn't pull your credit for some reason, the other covenants on the loan will generally follow the same thing that will effect your credit score, i.e. net worth and liquidity.  

So I'm able to close right now on a co-op here in NYC and my rate lock on the mortgage expires next week. 

Yes, anytime markets become less liquid and are faced with uncertainty banks are going to tighten up.

I recently used my friends software deepblocks.com to do some quick developments on parcels of land that had expired on our mls in California.

Most commercial lenders, agency or private will ask for the 1:1 net worth requirement and some level of liquidity covenant, yes. 

My suggestion would be a lot of cold calling expireds that weren't able to sell, or even Absentee owner calling 

Nice to e-meet everyone! 

So I started the year off with 2 goals 1) buy my first laundromat 2) 6 units (originally SFHs was my goal)Ive been studying laundromat business from mid January to now Then 2 things slowed me down very slow refi on 2 properties (long story but still trying to fight reappraisals) and COVID19More info about me I have a disability, My w2 income is very low, It is hard for me to get a job because of my disability, my primary residence is free and clear, I have 3 rental units right now (1 has a mortgage and 2 I am trying to cash out refi as mentioned) and Im very liquid.

@Simon Bloch..as a mortgage broker in CA, it could be the wholesale lender who he was putting your loan with had to tighten up because of the liquidity mess in the secondary markets.