How about being a affiliate for a institutional investor?

Right again, that’s YOUR money that the Fed used to bail out this greedy institution.

We were seeing a lot of deals in Atlanta that met the 2% rule over the past few years (I recently purchased one where I was all-in for $40K and rents were about $900/month), but these deals have now disappeared now that the market is improving and a lot of institutional investors have entered the market.Real estate is very local, and what might work in one area isn't necessarily going to work in other areas...

Hello BP,I have been doing research on the impact institutional investors are having on property inventories and prices; especially in the Phoenix and Las Vegas Market.

Many of the institutional investors who are buying up Atlanta (and other cities) right now are working off 100% debt and are tremendously competitive (if you define competitive to mean they have an acquisition advantage).

Can I count rental income on an owner occupant loan with any regular lending institution?

I'm somewhat stuck at a crossroads because Phoenix has shot up quite a bit (about 22%) in the last year, but it was mostly in single family homes due to institutional investors (it seems to me).A fear i have about these large companies buying so many homes is that they could dump them quickly and poorly effect the market.Also, I fear that the Phoenix market has been eaten up so quickly its been exhausted of its potential.

Banks and other lending institutions can do "portfolio" lending of mortgages not meant to be sold on the secondary.

When these new spammers/scammers/etc. reach out to you they will know a surprising amount of information about you; your interestes, hobbies, causes; your {online} acquaintances and the organisations/institutions with whom you deal.From the "geek seat" of my non real estate job {Information Security & Privacy), it has been interesting watching this evolution.

RE financing from an institutional lender is nothing to get creative with, without full disclosure of the deal.....ever.