In a nutshell, the three most imporant things in lending are ability, ability, and ability.

One of my early mentors said to me "the three most important things in lending are ability, ability, and ability" (so, basically "capacity" in "the three c's of lending".

It's been my experience that the best ability a lender has is "close-ability".

If neither I would want bank statements to show ability to pay rent

I could easily offer a 5.75% for a lot less than 3 points but they get laser focused on the rate they miss all the junk fees, and broker fees, and origination charges, and points.To your point though, speed is important, but even more important than that, to me, is actual ability to close. 

The costs are heavily run up by the borrower’s ability to take advantage of (1) judicial states foreclosure laws (2) bankruptcy laws (3) we as lenders having to pay taxes/insurance during borrower’s default (4) legal fees we pay to contest BK filings or other delay tactics (5) deterioration in property since loan origination.  

The numerous pop-up windows load slowly, and ACH fees for outgoing payments are $1 each, which adds up quickly.It's particularly frustrating that I have to manually create and apply a bill for maintenance fees to each property every month.

-How did you assess execution ability vs. just talking a good game?

I specialize in sourcing off-market residential investment properties for serious cash and hard-money buyers throughout Massachusetts and Rhode Island.My focus is on:• Single-family fix & flips• Small multifamily (2–4 units)• Value-add buy-and-hold opportunitiesI work directly with motivated sellers to deliver clean contracts, transparent numbers, and realistic ARVs—no daisy-chains, no inflated pricing, no wasted time.How I add value to buyers:✔ Off-market properties (pre-MLS & distressed)✔ Straightforward pricing with room to make money✔ Local market knowledge✔ Fast, professional communication✔ Flexible closings via investor-friendly title companiesIf you are a cash buyer, hard-money buyer, or private lender and want:✅ Consistent deal flow✅ Clear estimates & disclosures✅ The ability to move quickly on profitable opportunities👉 Send me a message with:• Areas you buy in• Property type• Buy box & price range• Rehab level comfortLet’s build a long-term relationship and close deals

Good Subject-To structure = keep control.Most investors protect themselves by:• Never transferring deed immediately• Using performance-based agreements• Keeping the ability to evict for non-payment• Using a land trust or contract that preserves your remediesBottom line:If structured correctly, yes you can remove them through eviction like a normal non-paying occupant.If structured incorrectly (deed transferred), you may be stuck doing a full foreclosure.Your Comment: "If they don’t have a recorded deed, they’re not the legal owner."