The only thing a LO or mortgage broker in the Bay Area should be asking you for once you go into contract is updated paystubs and bank statements, to confirm you haven't received a paycut or spent the money on partying.

Hi @Joe Geist,The only thing I'll add to what others have already said is that Fannie Mae will lend to a revocable living trust, if you can convince an LO that it's worth the extra hour or so of her or his time to do it in order to earn your business. 

Be as crystal clear as possible: "Hey LO Schmuckatelli at XYZ Mortgage, this conversation and processing my paperwork is a complete waste of your time if your firm has overlays pertaining to the number of financed properties owned.

I plan on doing a combination of Legrand's ACTS (i.e. cooperative reassignments) and sandwich LO deals, along with some sub- tos with lease purchasing, initially.

It's just as likely that the individual LO isn't investor friendly, as it is likely that the bank itself isn't investor friendly. 

Hey Kyle,I put numbers in your quote above. (1) It's not true at traditional depository banks, but at mortgage companies and brokerages, the LO picks the AMC that picks the appraiser.

If one LO is not even suggesting options that the other LO is, then that might make your decision very easy.   

I had it happen 3 times in a row on one home for instance.. very poor LO's...

@Lo Lormejuste What's your strategy?

Here's my issue:The seller is willing to LO the property to me.