The dust falls to the floor and little kids crawl around, get dust on their hands and then put their hands in their mouth.

Hi Gabe,Try your tiny local banks or avoid all banks for now and turn your focus to seller financed homes - you might find these in your local paper, craigslist, word of mouth...etc.

Seems you'll find alot of multifamily and other commercial deals through networking and word of mouth rather than online listings.

I put my money where my mouth is, new construction with guaranteed rents from Countryside in Virginia.

Not only would I tell them to take a hike but if they opened their mouth again they'd get reported!

That way you can gage what is working and what is not.Never forget the power of word-of-mouth.

Poor Mouthing your offer can make you lose the home!

@Scott Bishoff ,My first purchase was an owner-occupied 4plex with an FHA loan, and I couldn't have been happier about the results.

Patrick, don't open your mouth in the water!

Curtis , that works sometimes but what I found is that human nature will prevail in the long run or when there is enough money on the table and without a legal obligation to pay you, eventually someone won't pay and when that happens you get a bad taste in your mouth that is hard to get rid of.