That "competitor" will succeed with or without you (or fail with or without you).

(currently has been on the market for 44 days with one failed attempt to purchase)Any other advise? 

Thanks all for the read and best of luck to everyone.Do you know why 90+% of wholesalers fail?

No matter how you personally view a federal tax return that intentionally fails to report legitimate expenses, such returns are valid returns as a matter of law under the IRS code.Further, when a tax return is requested by a lender, a valid return can be submitted without danger of it being mortgage fraud, even when the valid return intentionally does not include all the expenses that the lender expects. 

Older guy, body failing, construction worker(and a fire fighter, driver astronaut, walked Nixon's dog...Twice ect).

If you do bring up your concerns and they still fail to address them then it’s probably better to move on.

You failed to qualify, so the Experienced Realtor doesn't want your business. 

The city, highway district, developer and engineers and owners have all settled and the homes that were at risk have been removed along with the street that failed. 

A commercial loan technically should only be based on the income the property produces but at the same time they want to be sure you can cover it if it fails.

(risk versus reward, enough margin, etc)   "can this guy pull it off" (what is his experience, does he have other resources if he gets in trouble on his numbers), are his numbers right compared to other deals they have done) , and "If he can't, what am I stuck with if the HML is left holding the bag and the guy fails?