In fact, the only schooling I had after graduating from high school was an audio engineering program from a tiny school called Dark Horse Institute in Franklin, Tennessee.

No SSAE16-Soc II report on file, No E&O, no regulatory body governing them, no audited financials, no policies and procedures on NPPI data, etc.) they aren't going to be able to call an institutional lender/servicer/bank to buy a note.Our diatribe ends up being to the benefit of the OP.

Buying institutional notes requires 100% cash up front. 

The institutional investors have switched to buying land and building new for their portfolios which tells me that they see a drop coming and are not placing capital until it does but they need to keep staff and deploy some money so their investors do not get mad that they are holding too much cash.  

However, damages, fees, or costs are not recoverable under this section against a retailer who has, in good faith, engaged in the dissemination of claims of a manufacturer or wholesaler without actual knowledge that it violated this part.(3) In any action brought under this section, upon motion of the party against whom such action is filed alleging that the action is frivolous, without legal or factual merit, or brought for the purpose of harassment, the court may, after hearing evidence as to the necessity therefor, require the party instituting the action to post a bond in the amount which the court finds reasonable to indemnify the defendant for any damages incurred, including reasonable attorney’s fees.

I’d be curious to hear from actual appraisers on this, however as a solar professional in my experience appraisers will not immediately ad value for solar, despite the appraisal institute determining through a comprehensive study that solar ads $20,000 value for every $1,000 in annual energy savings.

For investor loans with private institutions, they primarily lend to LLCs, so they would keep headache low.

What are your thoughts given the numbers and what route may be the best to go, as well as how that compares to other larger institutions and their loan options.In order they are:1)  3% down, prepaid mortgage insurance, single family.2)  3.5% down, FHA, 1-4 unit.3)  0% down , Utah housing NO PMI loan, single family.4)  5% down, prepaid mortgage insurance, 2 unit.I don't think I can come up the the 5% down but if it seems like the best viable option I may be able to squeeze it. 

What institution provided that kind of financing?

I'm mostly focused in Palm Beach County multifamily 2-4 units but also sometimes expand my search into Broward but would be super interested to hear some thoughts from you any of you guys in the community here.Side note: This might sound silly but I don't know if I have been scared off a bit because past 3-4 months I have been I following this alliedrealtygroup blog and while it does seem to be a bit on the doom and gloom side of things, the numbers presented in some of the recent posts are hard for me to dispute sometimes and I'm sure my perspective has been somewhat skewed since I started following and reading their posts. http://www.alliedrealtygroup.com/market-outlook ...Anyways though guys, would love to share and see what's on your minds..Thanks,Michael RandellTags: Palm Beach, West Palm Beach, Boynton Beach, Lake Worth, Jupiter, Palm Beach Gardens, Juno Beach, Tequesta, Riviera Beach, Royal Palm Beach, Wellington, Loxahatchee, Fort Lauderdale, Delray Beach, Boynton Beach