You've given me more food for thought.

Most hard money lenders aren't interested in taking on projects worth less than around $75k...  

I'm new here and would hate to burn bridges and come off as a bait and switch, used car sales man, deal scraper, pick pocket, or take food off your table to provide for your familyIf you know someone who knows the answer to a question, go ask them, don't reveal your source of the information if you feel it would hurt your market share up in Washington, and relay the message....Spread the wealth of knowledge is all I'm asking for.

I'm not interested in taking on a high degree of risk.

Interesting food for thought about Wells Fargo.  

I invest in single family homes, and while I may at some point venture into multis, rather than answering why not multis, I'll point out some advantages to SFRs:Generally a better tenant class ... my tenants tend to be stable families that move in, take good care of the place, pay rent on time, and rarely move.If/when I do sell, I can sell to a retail buyer, not another investor.

Food for thought -- If its THAT good of a deal, I wonder why its on the MLS for more than a day.

I work at Northern realty at the Layton Hills Mall just east of the food court.

Also a good point you make about the specialised housing that I hadn't considered - more food for thought :)

And so on.I know it isn't that easy, but I'm curious if anyone can prove it, like when an underwriter says "no" to me and I ask her to prove it, and if she can't then I ask her boss to prove it, and so on up the food chain until I get a "yes."