You're the fish.They often use a mix of fear, threat and urgency to push a target to act.It can be as simple as a 24 hours sale from your favorite shop that requires you to log in to your account first or your boss asking you to wire money right now or he/she/they will lose an important contract that will cost millions.So cybersecurity is important because without that, you might have an incident that can cost a lot of money, impact your reputation and might affect your credit score.

They were getting a fair amount of leads but most of them honestly were either duds or low end properties. 

I think they are just an extremely conservative bank and that is their interpretation of Fannie's guidelines.I have already gotten approved from some other banks (credit unions), so I'm not worried, but I am curious if anyone else has run into a bank telling them they need at least a 20% down payment on 3-4 units, regardless of it being FHA or not.

thank you for your time..That response is very fair.

I don't charge security deposit or move in fee nor do I care about credit. 

It seems like it should be a fairly straightforward answer. 

They do free sign up with 100 free credits so you can try them out.

Unless a loan is assumable few if any lenders are going to agree to this because they have no way of knowing if you are credit worthy, as the seller was the one who was vetted. 

The more lead credits you purchase at once the more you save.

Knoxville has some good ones like First Tennessee, Pinnacle Financial Partners, Y-12 Federal Credit Union.