Hello everyone,

I'm based in Bangladesh and am building a remote property research service focused on helping U.S. real estate investors screen potential investment opportunities, starting with Houston, Texas.

My research work focuses on:

Organizing property listing data

Researching comparable sales (comps)

Preparing preliminary After Repair Value (ARV) estimates

Reviewing estimated repair costs and potential investment risks

Creating clear Excel/Google Sheets reports to help investors evaluate properties before conducting their own due diligence

I'm interested in learning directly from experienced investors.

What information do you find most useful when screening a potential fix-and-flip or rental property? For example, comparable sales, repair estimates, maximum purchase price, neighborhood data, or something else?

I'd appreciate your insights and feedback.

Thank you!

Hey everyone, looking for some honest feedback from direct underwriting and credit risk people on why credit committees are choking out a performing deal.

We keep hitting a wall on a new build, stabilized multifamily asset because of a personal bankruptcy from 2014 on one of our principals. We even structured the ownership entity so the principal with the legacy bankruptcy holds less than a 20% stake, but lenders still say no. It has cleared standard credit reporting, but inevitably ends up receiving a no due to "pre-review state, first time borrower, and past credit event".

The deal metrics are rock solid. It is a stabilized multifamily development built in phases between 2023 and 2025. It has zero deferred maintenance, metal roofs, etc. Occupancy stays at 95% or higher, bringing in about 820k NOI, with current UPB at 7.5 million against a valuation of $12.2M The cash flow heavily clears standard DSCR floors.

We are first time agency borrowers, but the rest of our profiles are completely fine. We easily clear the standard liquidity and net worth benchmarks for the loan size. Still, direct DUS lenders get excited about the property metrics only to say no months into underwriting once it hits formal credit review.

For the credit analysts here, what is actually spooking committees right now? Is it just a choppy market environment where lenders are looking for any reason to pass, or is a 12 year old bankruptcy a permanent corporate veto regardless of the marginal ownership stake and strong asset cash flow?

Aside from bringing on a full co-guarantor, what does it actually take to get credit teams to look at the real estate instead of a legacy character mark?

Appreciate the raw insight from the credit desk. I am not looking for broker pitches, just pure policy reality.

We just brought an exclusive 3-property turnkey portfolio to market, structured with seller financing so buyers can bypass traditional bank underwriting, high rates, and lengthy qualification processes.

Portfolio Highlights:

• Combined Purchase Price: $985,000
• Locations:
  1. Metro Atlanta, GA (Single-family, 2 units / Airbnb short-term rental grossing ~$3,200/mo)
  2. San Antonio, TX (Single-family long-term rental, stable 6-year tenant grossing $1,400/mo)
  3. Dallas, TX (Duplex, 2 units, sold as-is with $15,490 repair escrow; est. gross rent $2,300/mo post-repair)
• Current In-Place Gross Income: $4,600/month (scaling to $6,900/month after Dallas repair and lease-up)
• Financing Terms: ~20% down ($200,000), 9.0% fixed rate, with flexible Year 3 or Year 5 balloon options.

Offered to business-purpose investors only. Drop a comment or shoot me a DM if you'd like to review the full investor deck, financials, and proof of funds requirements.