Jake & I both love our families, adopt a responsibility mindset, have a long term focus, and only want to focus on multifamily.

Banks and credit unions can also offer flexibility for investors that engage in strong relationship-building strategies, offering discounts and solid loans in exchange for borrowers willing to use the institution for other purposes (savings accounts, etc.).

It is imperative to adopt this approach/mindset/strategy in areas where cash flow is almost a half-decade away.

These institutions might be willing to provide a long-term refinance option even without the 12-month seasoning period.

While we are faster than most financial institutions we sometimes discover last minute details (thank heavens!)

You can take courses offered by the CCIM Institute even if aren't a real estate broker and have no interest in the CCIM designation.

You need to provide them with the LLC information and the trust documentation when opening an account.I have opened bank accounts for the trust and for LLCs owned by the trust at multiple institutions, including one of the four major US banks, local banks, local credit unions, online banks, multiple major brokerage houses, etc.

I believe that by simply adopting this kind of mindset you'll cut costs tremendously.

Yes, I have read all the rules, but that doesn't always give you the whole picture of how the institution operates in practice. 

I remember the reports of the first cases coming out from Wuhan in December of 2019 ,and obviously since everyone knows there are only 4 comprehensive bio safety level four laboratories on the planet, Moscow, Paris, Fort Detrick-Maryland and of course Wuhan Institute of Virology, and given that there are over 100,000 small town with wet meat markets throughout China, one doesn't even have to ask the question "what are the odds?"