What service have you guys used or recommend to pull credit on borrowers when doing due diligence on a file?

Taxes, Closing Costs, Insurance, Wholesalers Cut, Cost to borrow money (if needed) Rehab, Realtor Fee's, Income Taxes, Taxes to sell, Closing Costs again, Permits, Holding Costs Etc.

The borrower can bring the short sale question up to the bank.

@James B.If you are saying that the OP should put more more down to increase cash flow, I would have to disagree.If you are starting out and have little cash, then I say that "you should borrow as much as you can for as long as you can."

Or did you mean an 80% first and a 20% borrower contribution.

Good will can quickly go out the window.Would you let someone just borrow your car for two weeks?

Most times there aren't any but every now and then a lender will charge a fee if the borrower pays it off in full before the end of the loan term....Kudos,Mary

Usually the threat of those charges make them find or borrow the money from somewhere.I have never had a bad check go unpaid, but I don't take a lot of checks.

If I could borrow 75% of the 'non - SDIRA' portion (75K), could I essentially 'cash out' by paying off the 55K loan on the non - SDIRA portion and recapturing my initial 20K down payment so that I could re-invest it into another property?

If you do not want to sell the home ownership dream to bruised credit, high income renters, stay out of Rent to Own and just rent out to tenants.If you couple this type of B- borrower and a Seller of a home with little equity, you can do a Lease Option Assignment Business, which complements a Wholesaling Business.