some often wrong assumptions
Borrower assumes lender is on “need to know” basis – Wrong , Tell your lender the whole story, will save countless hours of research
But its asset based , why does my credit matter ? Your score does not, but do you show a pattern of paying anyone, do you have judgements or IRS liens that can affect the loan
I’m paying a high interest for you to close quickly, higher LTV and not ask questions – Well, if you believe that then your probably beyond help, but your paying a higher interest for access to capital and its much cheaper than a partner.