One of the first things i request all my Foreign national clients to do is attain a tax ID Number and a government issued document bearing a photograph.

there is a federally mandated minimal interest rate. 

But remember, this is our government and they are here to help us! 

I just got a HELOC through Penfed (Pentagon Federal CU) on a rental of mine.

I've heard that First Citizens has good products, as well as SC Federal Credit Union.

If I was to offer an investment vehicle that guaranteed an agreed upon return which would be backed by Real Estate (SFR), the local Government, and an option for a company buyback if the homeowners didn't pay the agreed amount:1. would that be something you would be interested in?

There's extra capital needed to remodel the 3-5th floors, but I don't know what kind of options there are for funding that.The area is on the border between downtown and a less friendly neighborhood, but the city just got a big government agency to move in about a year or two ago.

Opening someone elses mail box is a federal offense.

@Logan Pradon,It's my understanding that MLO not holding a real estate license are governed by the DBO.

Washington Federal has a good line of portfolio products that are 5 years seasoning of foreclosure with rates very close to conventional.There are other portfolio lenders around.