Nationally I think there is a lot more fraud overall, not only rental applciations but loan applications, social engineering scam with emails etc.

I started with him when he was doing turn key houses that we funded.. he gravitated to larger development deals that can be tough to place.175 parcels pre sold to a national builder who released 3 mil in EM.  22 mil contract to buy exiting first 5 mil  so we are junior but also have a collateral assignment of the purchase contract and other guarantees.. having speed an being the sole underwriter on this one ( ME) based on history( I funded 2 other developments for him one in Colorado one in GA) We got it done..

Those will give you true long-term stability with minimal refinance risk — and you can shop around nationally for the best rates and lowest fees, rather than limiting yourself to local options.The key is working with a lender or broker who’ll stay with you through each phase — acquisition, rehab, and long-term hold — and understands how to navigate structured or corporate tenancy setups like sober living.If you’d like, I can share a few approaches we’ve used with investors doing multi-property BRRRRs under similar arrangements.

$38,000,000,000,000 to pay off the national debt would be nice.

California's Contractor License Board is the oldest in the nation. 

In addition to that my professional organizations (National Association of Residential Property Managers, Maryland Realtors, and Harford County Board of Realtors) are great resources of information for me on this subject as they try very hard to protect their members.If you are not a licensee or member of a professional organization I would suggest trying your state's Department of Housing/Community Development (or whatever its called in your state).

But let’s not turn this into a compliance rabbit hole when the original topic was about how investors think. fair enough keep in mind though this is a national site with a ton of beginners that can take what you wrote and not realize the risks and laws involved..

For example my cousin@Jason Wray has amazing finance option and knowledge at VP of national federal bank.

Post dot-com it was a trans-national economy, the "new world order".

Those national, discount lenders will disappear when a bigger or easier deal comes along and you'll be left holding the bag.