I didn't reply to this immediately, as I had to think about it awhile.After pondering the topic over the weekend (While I may or may not have had a few libations to loosen up my thinking muscles), I came to the following conclusion:1) Tell him to get lost.2) Realize that what he's doing is asking you for an nonspecific change order because he is over budget and doesn't know where.

A local bank or credit union may relax these restrictions if doing a loan that they keep in their portfolio, but this won't be long term fixed rate money, and rates will be a point or two higher.I'm sure you know that you're supposed to live in that owner-occ property for a full year unless you have extenuating circumstances.

Once I got out of the "gotta get a deal" mentality and just got up every morning with the thought, "Today I'm going to learn something new by just getting in there and doing it" I started to relax and just play with the process.

For a safe pair of hands with massive muscle to back them up you cannot compare Memphis invest with any other player.  

Where Illinois is relaxed on that Indiana has stipulations.

He must be ready to leave rentals alone and go relax.

This is a pro for a variety of reasons.Because they hold it in house, hey have the ability to be slightly more "relaxed" on what the Fannie Mae/Freddie Mac guidelines call for.

I finished my Christmas shopping yesterday so can relax now.

Another way to relax your mind is to role play with a family member, it's not exactly the same but you want to keep your composure in tack throughout your presentation.  

Lavender scent is known for putting people into a relax mood,Perform your due diligence to find out which scent goes with your marketing.