A credit union?

I have seen many online ads for mortgage lenders with seemingly better interest rates than I have found while inquiring around at local banks and credit unions.  

PM me if you are interested in that.The tenants union is very active in Seattle and King County.

If you cannot walk into your local bank and credit union and based on your relationship with the bank IE large deposits and I am talking in the multi hundreds of thousands.. or very large incomes I am talking in the multi hundreds of thousands.. and or very long experience level I am talking decades there is NO money at those rates. what there is   is money at 9 to 15% or higher.. once you grasped that concept and folks stop wasting time.. then you just plug those numbers into your deals.Now if your talking about yoru 4 mortgage slots for rentals  that's a whole nother story but if your looking for fix and flip type funding  etc etc.. the niche is the HML in the country and there are a lot of themget a copy of the Scottsman guide there are list there of reputable national HML.

So if you denied a 300 African American, or Jewish person any lawyer would argue that the real reason was he was black, Jewish etc.  

After you get the 20 mortgages between you and your wife, then look for portfolio mortgages that the banks and credit unions do not sell to Fannie & Freddie.There is no limit to the number of portfolio mortgages you can get, this is coming from my experience in buying and selling more than 900 properties. 

Not having clear title will prevent refinancing with a bank, credit union or institutional financing. 

Still own multi and residential properties in Essex, Morris and Union Counties.

I've always heard that smaller more regional banks and credit unions MAY work with you, and that the larger ones are impossible to buy from prior to the property hitting the market. 

So I'll just have to do the leg work, call a bunch of local banks/credit unions and see who has something to offer me?