Are they coming back to me with solutions that help me achieve what I'm looking for, or are they just trying to pigeonhole me into some cookie-cutter solution and basically saying that if I'm to get a loan with them, this is the box I need to fit in? 

Now a conventional investor would say this is probably way too much cash to lay out - the things here which are personally important to me are a low-risk area (fully come up), a desirable neighborhood to live in, and a unique building that isn't cookie cutter chicago 2 flat with tiny bedrooms.  

I find those condos and houses inside the Camelback developments downright ugly, along with being cookie-cutter.

Is this as easy as getting a cookie cutter Michigan rental lease agreement?  

You could pay 30- 40 grand if you needed a new system.2) Since we don't have many "cookie cutter " communities how can I REALLY arrive at value if there are not many similar properties?

Its easier for you and for them to make basic things very cookie cutter and simple.

This obviously doesn't work in a cookie cutter street where every house is identical.Walking the dog for dollars also serves another great purpose; dog gets walked.

Tired of dealing with banks that only want normal cookie cutter mortgage loans.We have two SFH properties right now, one free and clear, and one that has a Cash-Out Refi Mortgage on it and we are looking to buy a Triplex that needs some serious work, and most "big name" banks won't lend on it due to one of the units not being inhabitable.Never used a Mortgage Broker, so I'm thinking of going down that route, any tips?

As such we wanted to try out vinyl throughout.What a dream to work with- a knife and a Roberts cutter.

It also depends on whether you prefer the cookie-cutter entity which or if you are also looking for more privacy.