@Iris Olivas Most local banks/credit unions can do this deal with lower fees and potentially rates than brokers.

For me, I am a little hesitant because I would be in a situation where I would be trying to secure traditional lending (which should be very feasible given credit scores & what $$ amount I am pre-approved up to from my banks), meaning that I assume I would be forced into using my first-time homebuyer loan incentives.

There are loan programs that will do a 20% down payment with a 680 or above credit score. 

Using a smaller bank or credit union is the way to go.Being that you have been in business for 10 years I am VERY surprised your business banker can't help you!

Their credit is shot and they are getting foreclosure notices.

.- Institutional Capital & Private Equity: By moving from hard money to institutional financing, you can secure larger credit lines with better terms.

When I asked if someone had an affiliate code (so I could give them credit), they didn't.

We own 3 other rental properties that have a 6.5%-7.5% APR, and no credit card debt or any other high interest debt to pay off.

It will auto download bank and credit card transactions, give you reports by account, category or property in any form you want. 

I prefer to have the least amount of banks as possible.Create a bank account that you already have a relationship with(Credit card or mortgage)The least amount of bank accounts is also ideal.