Building permits don't pass onto the PVA for reevaluation so they have no reason to stop by to visit.3) Cash flow:  Some might want $300+ cash flow monthly while others may be ok with smaller numbers and take the appreciation and tax benefits. 

They stated that they were not a lawyer so they couldn't comment on the legalities of my question and they still worked for the bank so they couldn't give me any more info without losing their job but assured me that I was on the right track, keeping asking these questions and don't stop until you find your answer. 

Stop getting discouraged and changing markets.

If you know me, I'm not stopping.

There's also the fact that you'll stop growing equity there, when you could instead access most of the equity and keep growing wealth through the home.

Stop hanging out with your deadbeat buddies who spend all day drinking, talking sports, and otherwise wasting away.

Until what point did you proceed with multiple banks before you stopped and chose the bank to go with?

People's money came worthless overnight.

We've tried in the past, but stopped using it.

I stopped paying the 1%+ and my principal finally started to decrease, significantly.My suggestion is that you ask brokers for recommendations that are in the area where you are purchasing your property and keep calling banks and save thousands of dollars you can use to invest for your next purchase.Two things:  Your broker wasn't getting rich on a 1% commission and the 1% you paid to your broker didn't keep your principal from decreasing; it was probably the cash out he got you (and at a higher LTV than the bank would lend you I might add).Banks and brokers each have a place in the lending arena.Stephanie