Posting a thread like this will attract all the providers and they will try to steer you towards their market and product.

My goal was to place a Semi-premium product to the market place.

However, when you pointed out all that you do (which is honorable) and the individual declined to a partnership, well, I now agree with @Chris B..

Good post, I agree with you, i do believe a correction is coming, but with investors now having to put more skin in the game and not being able to drive up prices like they did years ago with no money down products and loose lending requirements, i dont think it will happen this year maybe 2 or 3 years down the road and that also depends on what region you are talking about, we didnt really feel the crash out here and we didnt experience the double digit appreciation either , i wasnt thinking of selling when i refinanced, a few months after i did it, my tenant moved out so that got me to thinking about changing my goals, i was in a 6.15 30year loan still paying pmi, so the fixed 15yr @ 4.375 was a better deal for me, and yes counting on appreciation is not good because its not guaranteed, i may end up keeping it because I like the idea of having it paid for in 15 years.  

I am pretty fortunate that I live in Calgary Alberta where currently the market is taking a sharp decline due to the declining energy market and it is very much a buyers market.

The town still seems on slow decline but home prices come up a little may be form the overall market boom anyway but sill some deals seems very tempting.

Plenty of properties to purchase that fit my or my investors/partners needs and plenty of tenants to rent to and/or buyers that want to purchase my housing products....

When they sold a product that devalued massively.

A good mortgage broker will be able to compare and contrast these products for you.

Some of your local lenders may have a portfolio product with similar terms.Once you start going with commercial loans, expect 20% down, and 20-25 year terms.