As my relationships started growing with banks they started becoming more scrutinizing on me; my liquidity and my balance sheet. 

I guess I'm a bit overly careful, just in case they decide to scrutinize these types of entities in the future.

You will be scrutinized even more because you have your license. 

However, it's not as scrutinized as residential lending because it's not as heavily regulated.

Property firms now need to reassess their data transfer practices and ensure compliance with regulations in every region they operate.A Market Trend Influencing Real Estate InvestmentData privacy isn’t just a regulatory concern—it’s becoming a market trend, and this has direct consequences for real estate investment strategies.Investors Seeking Compliant Properties:Investors are increasingly scrutinizing data privacy compliance when making decisions.

CAP from my calculation is +10% so naturally I am going to scrutinize.

Here is some differencesPrivate Lenders:Higher Interest Rates –FasterEasier Approval ProcessLess Regulated – More FlexibleMore Customizable Loan OptionsBanks:Lower Interest Rates –SlowerMore Scrutinized Approval Process – Including Financial History and Credit AuditSubject to Significant Government Regulations – Less FlexibleChoosing the type of lender that is best for a real estate investor is not simply a matter of the least expensive option available.

Some underwriters may not care or ask, while others may scrutinize the situation.

To reiterate what @Matthew Olszak said, scrutinize the banks addendum if they accept your offer.

Would you recommend that or believe the IRS would scrutinize this?