These are the product of much discussion as it is!

I won’t be giving my money to a guru that needs to sell a 40k product rather than working his own investments.

These companies selling products tend to drain agents dry at these conventions selling every do dad that is supposed to give them an edge over everybody else.

The truth is, over the last few years, many of these people are barely cashflowing at all and the default rate with the banks on this product is skyrocketing.

william penn bank does not have that product any more. 

Our DSCR product is very STR friendly and heavily lean on AirDNA data vs appraisal.  

My last electric split my electrician gave me a list of the big things I needed to purchase and he told me to buy them from an Electrical supply company on EBay that sells all new products and this saved me about $4500.

Quote from @Matthew Beninate: Quote from @Sarita Scherpereel: Quote from @Seo Hui Han: You may want to consider local banks / credit unions just because many of them will require or give you more favorable terms for things like HELOC's and other line of credit products if you have a deposit account with them. 

Dig into reverse mortgages before pulling the trigger on anything, specifically HECM's (FHA product).

@Sang Kim- thanks for clarifying you are trying to get a commercial loan ...this is a  completely different product than a home loan ...You still should be able to  locate and obtain a good commercial loan  without  having to pay any fees upfront  ( other than possibly paying for the appraisal after the  loan has been  approved )