Myself with 6 inch thick tax returns and no NON commercial underwriter can really under stand them LOL  its frustrating no doubt. but it was necessary to protect the industry.as @Chris Mason  a great private RMLO is worth their weight .. we use one in Oregon for our deals here I would never go anywhere else.. been 16 years with same person..

I was just trading board messages with another member regarding how difficult it's been to find a residential/non commercial cash recapture loan, at normal interest rates, without waiting 6-12 months.

Non-commercial sfr or multi-fam rehabs in decent areas.

Outside of not having a negotiating platform, a sale. bank - buyer on a single property is a non-commercial transaction with falls under the Realtor regulatory guidelines.

@Nicole Heasley The more times you go through the process the easier it will be to know what banks want to see but in general,  A personal financial statement (list of debts and assets--shows net worth), a summary of your current cash flows (shows where your money comes from and goes to AKA a global cash flow statement), tax returns (for non commercial loans), a bio (tells about you and your team), a deal summary (info about the current deal) and maybe a summary of prior deals that are similar that you have done

I used to think that when I finally had money I would just pay some peasant to do all this bs work for me but to be honest that attitude kept me broke.

Any broker or individual investor who values a non-commercial asset using commercial metrics are only showing their ineptitude. 

Im a new investor hoping someone here can give me a little insight in an area I know so little about.I’m interested in non-commercial multi family apartments.

If you start with SFR or Non- commercial 2-4 family or jump right into 50+.What type of a long term income stream do you want to create?

If you start with SFR or Non- commercial 2-4 family or jump right into 50+.