That made sense once I realized they don't award the key. thanks for the insight.

So the multifamily property that I'm considering is between $1.3 - $1.6 million and the rates that I have gotten are between 7.15% from brokers and 7.5-7.7% from bankers. 

There is always the Costar awards for volume etc that you can look through to find the people doing the most business. 

I have looked at them, but am having a hard time interpreting them.. they say that any individual who engages in lending that is secured my real property in a business sense (does so more more often than one isolated incident) would be considered someone who requires a mortgage banker license.

Home to The Ohio State University with nearly 60,000 students, 5 Fortune 500 companies, over +25% population change since 2000, and the 2016 smart city challenge award winner (https://www.columbus.gov/smartcity/).

Source @Keep Current Matters.Goldman Sachs : Original Forecast 1.9% / Current Forecast 5.0%Mortgage Bankers Association: Original Forecast 1.1% / Current Forecast 4.1%Zillow: Original Forecast .2% / Current Forecast 3.5%Fannie Mae: Original Forecast 2.8% / Current: 3.2%Home Price Expectations Survey: Original Forecast 2.2% / Current: 2.4%National Association of Realtors: Original Forecast .7% / Current: 1.9%

You wouldn’t just be awarded a property when their are lien holders in place that have rights, right?

Account Closed I award you the most thorough post in this thread yet!

He said he would be interested in speaking with a mortgage banker or broker to see his options. 

., tax lien) is sold at auction, are charged 18% per annum.197.432    Sale of tax certificates for unpaid taxes.(6) Each certificate shall be awarded to the person who will pay the taxes, interest, costs, and charges and will demand the lowest rate of interest, not in excess of the maximum rate of interest allowed by this chapter. [...]Translation: Florida is a bid-down interest rate state.