For the past 3-4 months I am finding that the banks are paying prices that simply don't make sense.

there are a lot of non QM mortgages available that only look at bank statements.  

Last 30 days pay stubsLast 2 months bank statementsProperty Taxes, insurance, lease amounts, HOA statement, and current mortgage statement for each propertyI don't know that coming prepared will get you a better rate than you otherwise would have, but it will certainly help you get a more accurate rate because it will be based on more accurate information.

Hello, I'm seeking a mortgage on a property that was purchased in a recent sheriff sale, property located in Union City, NJ.I've been assured that that are local banks that will underwrite mortgages even on the basis of an external appraisal (can't get  an internal one because I can't get in the property yet).Any ideas on which these "local banks" may be? 

Are there any recommendations for private or smaller lenders who have lower rates than what banks are offering on investment loans?

As a former lawyer for national and regional banks, it's something I had to do hundreds --- if not thousand --- of times.

If you don't have money for maintenance or don't have the team for maintenance, then you have unhappy tenants and eventually an unhappy bank account.

Hello,I'm seeking a mortgage on a property that was purchased in a recent sheriff sale, property located in Union City, NJ.I've been assured that that are local banks that will underwrite mortgages even on the basis of an external appraisal (can't get an internal one because I can't get in the property yet).Any ideas on which these "local banks" may be?

Do use your house as a piggy bank.  32k is not a lot of money you can get this on credit cards.....

Think of it like a bank.