@Linda Lo I'm with you on the foodie part.

When I returned to CA, lo and behold, Crestcore was charging me for lawncare - 3 visits! 

This concept is new to me, and i didn't know what to expext... but i see that can be a plus if I am planing to hold lo g term.I will investigate further.Thanks @Chris Seveney for chiming in!

However, all my properties are some sort of creative deals, sub 2's, LO, OF.  

LO isn't crazy popular so of you don't find anything I wouldn't be surprised.  

That's all they ask for, nothing else.Fourth time they ask, he finally writes a letter detailing his intent to spend the money on hard drugs and booze while on vacation in Columbia......Wouldn't you know it, the HELOC gets final approval and he gets his credit card in the mail a week later.Best guess is that it was the big bank LO or processor that kept misplacing it or putting it in the wrong digital folder, and when she saw that letter she finally started paying closer attention to what was/wasn't being submitted to underwriting, and poof problem solved. 

. - LO enters an estimated value of $999,999 or less even if it's a $700k refi on a $1.3m property. - No rental income is being used from the subject property...

Based on your experience(s), can you give me some questions I need to ask the LO @ the local community Banks?

I explain to them how we would buy their property (sub2, shortsale, L/O etc) and make sure they understand and agree to that part of it.

Also, I spoke with LO about their program for medical professionals and he basically said that with a condo purchase they require a minimum of 10% down, and the rate is about 1-1.25% higher.