Bank pushed us to 40% down payment so also executed a $85K seller carry-back loan to cross the finish line.

When I tried to get it when my side of the family found out and tried tp take over reverse mortgage payments to bank because she had died it was to late so they sold the house to Hud and then other reverse mortgage companies but a relative still lives there so they can't kick them out.

A close friend of mine in Houston once had a client who owned two properties across different states.With your North Port place being so fresh (2021 build) and on a canal, you’ve got strong appeal for folks looking to enjoy that waterfront Florida vibe.

I'm particularly passionate about emerging markets in the Multifamily domain.Outside of real estate, I enjoy time with family and friends.

We also have a bank account at a smaller Chicago community bank, but there technology isn't as good to be honest.I think @Jonathan Greene's main point is don't step over dollars to pick up pennies. 

I ask for a list of their current ongoing monthly expenses.Lastly, I have them sign an authorization to check all the above with their bank, their employer, etc.

I've done refis with section 8 tenants in the units from traditional banks and dscr lenders.

A couple questions:1) Has anyone worked with local lenders like a local bank or credit union?

If you're looking for a great lender who can get you to the finish line, including getting creative if there's any problem with your loan, contact James Mahieu with Northpointe Bank.

Just wanted to introduce myself and enjoying the Bigger Pockets site and forums.