You have to adopt a research mentality.

 O institutional loan “allows” a sub2, but yes it is done every day.....with risks.

I am getting ready to purchase our first investment property (duplex) and working with the lending institution, I learned from them I have to have 25% down in order to purchase due to Fannie Mae.

Do I search out large institutional banks or smaller local community banks? 

I pay my rent early, every month to my “landlord” (it’s an institutional level landlord), sometimes 2 weeks early.

Are Ohio tax liens just available for institutional investors?

I am trying to adopt the idea of making good deals.

Hi Chris, I get that the most frequent and biggest delays to closing are typically from the originator, whether it is from an institutional lender or mortgage broker.

When you hit your point of critical mass institute your original strategy and pay those suckers off and enjoy retirement.  

One of the lending institutions just told me that for investment properties they need 20% down and 6 months mtg payments in reserve.