A great local HML will take care of their best borrowers to the point that those borrowers just wont want to jump through the hoops of getting vetted by the Portals.I have had the same clients for going on 20 years.. there is more to HML than fees and rates.

Welcome Adam,This reminds me of the song of the twin girls in Problem Child 2:"We have wholesalers."

@Joshua Dorkin  Thanks for going to bat for the Property Managers out there in "Show 80" with Jonna Weber.

If the short term you might be able to forgo some of the longer term escrow accounts to pay down debt, but it won't be a large impact.Where are you getting a 95% NOO Loan from?

It will take you a few week to cull the list down, but if you make time to do your due diligence, you will find some decent investment opportunities for a song.

When I first started real estate investing (before mortgage crisis) I was living in Seattle and most of my friends decided to play the the Seattle appreciation game and forgo cashflow.

So if the wholesaler can sell it to someone else that is happy paying 80% or me or you that want it at 70% or better...tough to blame them for going somewhere else.At the end of the day if you market for your own deals you will have the greatest amount of control of your margins, but that doesn't mean you will always get it or that it will be easier!

Find a way to give them something other than more money or perhaps, get something for going up in price.

I have people who call me a failure for going to work for someone else, but also remember that those are crappy people that don't need to be in your life and that you can laugh at when they're still working and you can just sit on your porch and read a book for the day because you don't need to go to work every day to live.

That is why if you go this route you forgo the bank entirely.