Find out what you qualify for from a loan officer or credit union. 

I would also say everyone who works for the PM or in the office of a PM represents you so if they aren't competent that reflects on you. 

Although I will admit the loan officer who Tom first spoke to could have communicated better. 

He is a family friend and we have even looked at some off market for sale by seller too that I identified stuff where he wouldn’t even earn a commission and he was happy to investigate for me - more of a looking out for me / family than counting a check (I am not looking for expensive real estate and he has owns the brokerage of 20+ agents, unfortunately my purchase isn’t much of a profit opportunity for the office but would probably be more embarrassing on him if we get something wrong  😂) Noted on the inspection though and I will stipulate it is a deal breaker on my side.

Hi Julie,I'm a fellow investor and Loan officer.

In spaces like offices, retail establishments, or other commercial areas, TI work ensures that the space is tailored to the business's operational needs.I'm looking forward to a meet-up in Chicago as well.

Hey Patrick, I actually ended up just meeting with my town's code enforcement officer and confirming everything with him. 3 other people in my town have used this program so far to build separate houses on their lots, so he had some experience with seeing the process through.

Unfortunately the 3 asset classes that banks are not fond of right now are rural properties, commercial office space, and vacant land. 

There are a lot of loan officers sometimes new to the business that send out what is known as a "teaser rate" More than likely you are also paying 1.50 to 1.75% points for that rate and you should "Never" pay points just use a real FDIC Bank instead of a "Lender".

I talked with the City of Columbia Planning office and they said I can split the property into 2 separate lots and by doing so I can circumvent rezoning into commercial.