All 3 of these lenders lend on the very low end of the value spectrum.

When I look at our rental property Zillow estimates some of them are just crazy (on both ends of the spectrum). 

This leaves a very bad taste and I have to work against this.I live in western Pennsylvania, and I rent SFR at the lowest end of the property spectrum.

I tried looking at other commercial properties in the area that are for lease but there is such a wide spectrum out there and commercial properties can vary in size and purpose and the renting potential varies greatly as well.

depends on the lender but these days there are fewer and fewer who will let you do it.it causes too many problems: from creating a "rob peter to pay paul" situation, to the opposite of the spectrum people using CC to pay their mortgage and earn points.

I'm not recommending you do that - but you should be comfy with your decision somewhere on that spectrum.

You can create a WordPress website that runs the spectrum from very simple in look and feel to very intricate and incredible detailed, so much in fact that you never even know that you were looking at WP website.

i always have a problem at the opposite end of the spectrum. all the homes i have purchased have come $300-$800 above the purchase agreement.the biggest crock is the appraisers having a copy of the PA. dont even get me started on that.they dont want to kill a deal and they appraise the house i am about to buy JUST above the PA. whatever. i still get a great long term deal

The wealth of knowledge you have provided here is certainly a generous gift.Years ago I studied for the real estate broker's exam but decided against going into the field - not that the knowledge hasn't served me well over that time.During the last 30 years I have been deeply involved in high tech, primarily the PC industry, including a couple of decades running my own business selling and servicing computers, ran an ISP and have worked my way up to industry spokesperson in that field.Now I am looking to widen my horizons, even though I am not kidding myself into thinking this is "easy money" or that I will jump into this full time right away.Specifically, I am interested in applying my high tech skills to this field, finding both traditional and innovative ways to leverage my abilities to market properties, starting out on the lower end of the spectrum and working up from there.I look forward to exploring any opportunities that I may be offered, working with as many people as I can effectively service, learning everything I can, and teaching if I am fortunate enough to be able to.Again, thank you for providing this opportunity,Ken

It sounds like you folks will be a great addition to the practical side of the RE spectrum.