I would lean more MTR or LTR regardless of product type.

Yes, it's true that you might be able to find a product you need at a greater discount when a brand like Wayfair or CB2 is having a sale, but I've found that they truly do offer superior discounts at scale, even considering the fee. 

However, I noticed that as a Costco member, they also offer HVAC services, including the same product line (Lennox), along with a 10% Costco Shop Card if you go through them.Has anyone here used Costco for their HVAC needs?

I could be wrong but I am unfamiliar with any products existing.

I had a call with a loan officer yesterday and I am very intrigued, but haven't heard much in recent discussions for this product or found anything in the search bar for this bank. 

I would confirm by seeing the product then going out and checking comparables in that market that have sold. 

If your product is nice, I believe you'll attract the right kind of renter (factory worker, lineman, etc). 

Thanks What loan product are you shopping for?

The 2008 timeframe was different and in situations a lot harder than now, but this market will shape a lot of investors that found their new market, product to focus on, and/or to dive in deeper when times get tough.   

It more likely may be found with a local investor/teacher doing “hands on” mentoring himself and not through an organization run like a production line.