Since it was over 12 months with my HML, I ended up taking the property under my name with a 30-year conventional loan.

Commercial Loan How did you add value to the deal?

However, the ex wife name remains on the loan itself.

Since they are responsible for maintaining the relationship with you after the transaction closes, this approach adds an extra layer of confidence and security to your investment. 

Loan officers with 25 years of experience typically are more experienced, and have less time per file, because they have an abundance of files.Loan officers with 25 months of experience typically are less experienced, but have more time to devote to you.I can't write my own loans, so when I'm getting a loan I prefer working with less busy people when I'm doing my own real estate investment, they're more responsive and dedicated it feels like.

Financing options do exist: hard money loans, renovation loans, and some traditional mortgages can be used on distressed properties if criteria are met.

Conventional loan What was the outcome?

Any referrals or recommendations for good and qualified brokers, sellers, property management companies, loan brokers, insurance brokers, mortgage brokers, contractors, etc.

If you are looking to buy in PA, its possible you can qualify for PHA KFIT program that gives you a 5% closing cost forgivable loan.

Which was $42,399.08/$35,950/5×100 =  23.5He also stated the total loan was $60,000 and the payoff was $55,004.72 over 5 years....He has 1.1475/5 to get 22.9% ROI....WHAT IS 1.1475?!?!?!?!?!?