If you’re in that cash position I mentioned above, then we might be a good fit to get on a call so I can show our process which is complete: 1) finding and buying the right property 2) creating a top product from that purchase with a world-class designer on my team 3) co-hosting/managing that property at a discount for clients to ensure you get more money and have a product that lasts.you can also follow me on IG @tampa.rei , I’m actually about to post a walkthrough of a property that was being managed by one of the most popular PMs in the country and in just 1 yr you’ll laugh to see what state the property is in from poor management!

Given the seasonality there's likely slow workflow from the banks so it would be a good for you to apply, get approved, and be well poised for the spring market!

I use hostfully guidebooks.  

I have an assistant enter this once a month from the PM reports provided (and just a bank account statement for the single tenant properties which don't have PMs).

Welcome Gerardo, I host a meetup in the Mesa/Gilbert area.

Quote from @David Edwards: PadSplit host in Houston here, my experience has been good thus far.

How does one take the owner finance situation to a bank and turn it into a 30 year loan to hold without an additional down payment of 20 percent ?

You'll want to make sure multiple banks look at the deal to see general appetite for financing.What happened to us is we took over a string of condos from a non bank lender that foreclosed on the properties. 

Texas division of banking (whatever they are called in that state) probably should have done something but appears they didn’tDHS actually is one of the departments that prosecuted criminal financial crimes - most think of them only as border patrol as their major function but they also investigate this type of activityhttps://www.dhs.gov/hsi/investigate/financial-crimeTime will tell if these cases ever go anywhere but for those involved probably just happy someone finally picked up a phone to atleast listen to IRS criminal is another good one to sic on them..

I have Baystate Bank on one property and TD Bank on another.Hope that helps!