I would contact your original lender initially, as well as to contact a local mortgage broker.

I'd start by talking to a mortgage broker about your options, then save up and wait until you can buy in a good location and have adequate reserves.

Keep ya posted...hit me back with any thoughts.Cheers,MilesI'm a multifamily property specialist/broker and my business partner is the president of a highly successful steel based modular manufacturing company.

If you don't have any leads or don't know where to start here are a couple suggestions: ask brokers who people use for debt, find a mortgage broker as they have access to different buckets of capital, use a website like CoStar to look at closed transaction over the last 12 months and see who they used for debt.

There are a lot of hungry rookies out there that will collect a "Broker fee" or have you pay for a LOI (letter of Intent) and it's nothing but a piece of paper.

I have a broker licensed in TX with my company that will be able to beat both those retail lenders that you mentioned.

Work with a broker that can shop the market for you and your particular situation(s).  

Make sure you find a good mortgage broker that has access to more than a few loan products. 

I have read The Book on Managing Rental Properties, (and have another book on the way along with preparing to get my real estate broker lisence).

Hello Kailey,TNT Funding Associates LLC is an independent loan broker and financing advisor located in Florida.