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. 

Not all banks offer the same product.

. - A productive member of society who was once a court date away from being a convicted felon.