The vast majority of "regular" or traditional (Conv/Govt) mortgages are originated by specialty lenders and brokers and are sold in the secondary market to provide yield on bank balance sheets (think Chase or BoA) or to be securitized into MBS.

And Minneapolis is that dopy lil'brother chasing the other off a cliff. 

Keep doing your research and keep learning, and keep chasing your goals, whether it's with Tardus or not.

Good luck in the future. 55 years is enough for me lolAnd agreed, learn from mistakes made, don't repeat and move on.Personally, I never chase lost money and just take it on the chin and take the high road.Time and energy is better spent on growing bigger, better, smarter.Than on never ending, emotionally dragging lawsuits.Just my opinion 

I noticed I had several with Chase, unfortunately they discontinued their HELOC offerings since COVID...

The only place I see more cheating is in the recruiting of SEC football players (SEC fan here).

Major banks, like Chase and Wells, are offering it to their clients.

Alongside my studies, I’ve had the privilege of competing as a Division 1 hockey player, which has taught me the value of discipline and strategy—qualities I’m excited to bring into my real estate journey.I’m looking to purchase my first investment property in the U.S. with a budget of $250,000 to $350,000 in cash.

I have taken dozens of flights for free using credit card points, but Dave isn't going to teach that technique to people who can't control their spending because there's too much risk that they won't have the same discipline I do.Dave teaches people to invest safely because he doesn't want people with no financial discipline taking his advice wrong and chasing get-rich-quick schemes.

However, your answer could include, but is not limited to:Market Focus: Would you stick to cash-flow-heavy areas, chase appreciation, or go after niche markets like short-term rentals?