There are tons of loan products out there but low fees is rare because everything is a lot more expensive nowadaysGap lending is too risky as prices are slowing/falling in many markets.

Catch all the red flags prior to submission cause once you submit a file that has uncaught red flags, that's when your process slows and lender's get nit-picky.From a lender, I want you to work fast, if I am hustling on my end to make it easy for their processor and underwriter then I expect fast work with an open line of communication and I want my rep at the lender to be able to fight for me or my clients should an obstacle arise - which they usually do.

I called a real estate attorney today based on a Google search, and I got an earful about how Subject To was not possible, the bank would call the loan due, I need to have 'very deep pockets', etc etc etc.I know it's possible and there are people doing these types of deals.

They have one of the tougher credentialing processes out there, but they have excellent data that goes deep with relatives, neighbors, associates, etc.. 

My feedback is that you are getting WAAAYYYY too deep in to the weeds.

I have been investing in Miami Dade County area, so i can't talk for the rest of FL that is a different beast, county by county, so I give you my point of view of Miami.The key point is which type condo are we talking about: newer >2010 condo, old condos, in key growth areas or not.Data, as always, speaks: condo sales ares slowing down, overall Miami is close to be a Buyer market overall (it is already a Buyer's market in many zip codes...), while appreciation is on average +5.5YoY.

More and more people were speaking up about projects exceeding deadlines, ignored withdrawal requests or delays blamed on COVID, family problems, city slowness, ...Instead of taking responsibility, Sief decided to play the victim card and blame everything on Brian, who most of us never met.

Only solution is hope FED cuts interest rates fast and deep, but all macro-data says US economy doing great with fed funds at 5.33% so foreclosure becoming only option.now if a Chimp with a learning disorder like me could see this coming, perhaps, the syndicators that charged high fees and had 5 different "share classes" saw it coming too and perhaps that was their plan all along?

She didn't bother to disclose this to me initially; now we are deep in the process.

She didn't bother to disclose this to me initially; now we are deep in the process.