I usually try to get as much info from each institution as possible before I let them run it so I am 99% sure I'll be approved before I give them the green light but this creates a bunch of extra work on my end.

It will put another barrier to removal (takes a few days up to a week for ACH transfers between institutions).

Farmington Bank used to offer such a product; however, it is no longer available once they were acquired by People's United Bank.I am open to going under FNMA standards; however, if you do not have a loan package I would be eligible for, can i ask whether your institution makes portfolio loans to real estate investors?

(Due to amortization the numbers wouldn't actually be exactly that round) Over time that gap will get ever-bigger and my eventual payoff will get higher and higher too, so if I'm a big dumb bureaucratic institution that doesn't realize real estate is cyclical when making my models and choices, why would I rush to foreclose?

I don't have any good experience with large banks / institutions for investment properties so i always work with local small lenders.I typically first find a new property, then do the closing and refinancing at the same time.

City state job growthCity state net migrationCity state job diversityhttp://www.best-cities.org/ - Milken Institute Best Large and Small Cities rankedhttp://www.bestplaces.net – Sperling’s reports goes down to Zip code levelFrom here create yourself a database and then start mailing or contacting brokers. 

If you're working with a local institution that keeps their loans in house, this isn't a problem.What the banks mostly care about is Debt-to-Income (DTI) ratio.

So what I'm looking for are investor friendly banks/institutions that are A.)

But next time institute a $25 fee in the lease.

If so, can anyone recommend their institution?