If you've paid your debt to society, shouldn't you be allowed to become a productive member of it?

There's only some much time to devote to this stuff and when your schedule simply has no room left you have to carve out the ones that appear the least lucrative or productive. 

Thus any mail returned or in general the post master will give a physical address of said person. 

Variables that impact production (lighting, co2, pests) are more easily controlled in an indoor environment.

I'm asking why would a bank give a construction loan to someone that can't afford the final product?

But once you start doing a number of deals and can build some trust with a lender you will have more negotiating power.Bear in mind that my model was more a a "landlord product" where I took out a HML for 90 days and then quickly refinanced into a conventional loan after the rehab. 

There is both physical distress ie. run down property and financial distress; someone who can not pay the mortgage or taxes for example.I think what you are asking is "Why buy a fixer upper property when the cost to fix it up is as much as the house is worth when you are done?"

Specifically: Property condition - properties in poor physical condition, that have code violations, or structural/pest issues are viewed poorly by lenders.

Even though i physically took in $90k from the sale of real estate in 2017, my taxable income is $20k.. which by tax returns alone, looks like sh!

And when you look to invest next a specialized lending product like a DSCR based loan might work well for you.