So if you start dealing with people who are transactional focused, they won't value relationships and loyalty and always find someone cheaper and will bail on deals that are good, chasing one that is cheaper and cheaper. 

Excellent, thank you Kevin.

@Anthony ZottoThe key in situations like this is to focus on building a genuine relationship with the property owner.

However, I realize I need to focus on cultivating more investor relationships that would support such opportunities, as the ones I currently work with prefer to operate independently.If you don’t mind sharing, how did you go about building your partnerships and establishing those key relationships?

*This post does not create a CPA-Client relationship.

@Bob StevensI was making an assumption that rent was not up to FMR For example in my county if you forget to ask for your yearly raises the dispersion becomes massive and eventually FMR changes can be drastic YoY for a new packet versus keeping an existing relationship.   

That is excellent information.

Private money lending typically comes from individual investors or friends and family, often based on personal relationships and trust, and can have more flexible terms.

Wayne - Perhaps you could share some of the analysis (in excel) to understand more about the numbers.

I recently joined BP, and I’m reviewing older questions:FHA Streamline Refinancing is an excellent option for lowering your monthly payments, especially with the potential rate reduction you're seeing.