Where I invest it's not extremely expensive but it's time consuming to get the permits, have plans approved, etc.  

There is no law in Texas requiring you use any of the above to buy or sell real property...it's up the consumer and how confident they are they can weather a huge financial mistake should one occur. 

I'd like a mortgage of $400k, if you'd be so kind Good Sir.Then the mortgage industry goes:OMG HELL YEAH, another consumer more in debt!!!!

I know it's frustrating for consumers to see bought down rates advertised/tracked everywhere, but if you're the only one putting 'no points' rates out there, you don't get business and will lose 10 potential customers for every 1 that appreciates the transparency!

I could see no issue in having a contractor be along to give bids on the vacant units but time is money and to arrange appointments for bids like this is time consuming on everyone's part.. hopefully they'll cooperate, but for sure get the final walk thru scheduled. 

I'm focusing on wholesaling in my home market and I'm consumed with learning all I can here on BP.  

I have noticed that CL is less effective so it might be consumers changing their preferences.Or it could be the season.

If they deny your application, they are at risk of being sued, fined, or worse for failing to follow fair lending and consumer credit laws.

I don't mind paying a fee to a broker if I buy/sell something, I just don't want to do anything that's so time consuming that it takes away from the rest of my life/job/etc.

I have evicted tenants before but here in Illinois it is time consuming and costly.