We won't hold that A&M heritage against ya if you come to the meetup or participate ;-)Luckily you're in the best town in the metroplex for small regional bank contacts.

Hope this helps.I've been doing a lot of research on this the past year, and this is what I've found (I could be wrong of course):Material prices aren't too much different around the country if you shop around for suppliers (there are differences in areas where shipping is more difficult and costly), and labor prices are surprisingly consistent (though there is a range of about 25-35%) if you ignore the high priced areas.Obviously, there will be regional differences in both labor and materials (especially in places where climate, soil and natural conditions impact building codes), but if you ignore places like NY, NJ, California, etc, you'll find that prices generally fall within 25-50%.I see you're in NJ, so you can probably throw the prices I mention out the window, but for a surprisingly large % of the country (especially between the coasts), prices will be pretty consistent within a 25-35% range.All that said, this is a topic I'm very interested in, and would love other data points, as I could be wrong

I accepted a lower offer because it was conventional to avoid this 90 day waiver not honored headacheDuring the summer I had Lorain national bank (small regional bank) refuse to honor the waiver.

Section 8 agencies and how they operate vary by state and even regions within a state.No legal advice

Is your bank local, regional, or national??

You would have to get a regional or local bank that would do a "in house portfolio loan" versus a traditional Freddie or Fannie mortgage.

We are also a regional medical center in a 4 state area.

Some regions and properties a little more or a little less.That includes everything completely turn-key.

That said, they seem to be regionally specific in high value real estate markets like California, Florida and New York.

Trying to meet mentors in the WNY region.