They might be lower-cost options, but in standardized, commoditized transactions, their UX quality and excellent customer service set them apart from other direct-to-customer carriers and agents.It would have been ad hominem had I offered proctologist referrals to assist with dislodging your head from the rectum it resides....I did not do that, I ignored it's placement.

Most agents, I can tell you from experience, will not spend too much time on you since your so fairly new and at your purchase price your not a big fish so they will tend to put you on the back burner since heir return is not going to be a game changer.

Here to network and seek and provide referrals. :)PS

That may not matter to you, but I tend to want to work with other investors, even my loan originator, realtor, title company, etc.

I can't speak to Richmond, but when I started out I was able to get referrals to a good agent from a real estate investor group in my area. 

It will be work doing something you believe in with odds of success with the outcome.Any avenue takes work because the top 10% in any field that are very good at what they do tend to make the most money.

Quote from @Jaycee Greene: it all depends on the credit scores, but consumer mortgages tend to have lower interest rates than commercial loans.

------------------------------------------------------------------------------------Recommend exploring as many sources as possible to get referrals AND cross-reference them to get as much accurate information as possible.Check out NARPM.com, BP’s Property Manager Finder (BiggerPockets: The Real Estate Investing Social Network), etc.Also, encourage you to learn from the mistakes of others - by reading posts here on BiggerPockets about owners not having their expectations met by their current Property Management Company.

Following dinner my partner and I went to tend to a B&B guest and one of the friends “cleaned up dinner”.

If possible, ask fellow investors in your area for referrals to specific lenders they’ve had good experiences with.