I suspect many people, though, will be using "cloud" programs.

The tax code info is below. http://www.irs.gov/publications/p946/ch03.html "...For qualified property placed in service in 2012, you can take an additional 50% (or 100%, if applicable) special (depreciation) allowance.

Florida is not among them: http://www.justice.gov/atr/public/real_estate/fee-details.html

., provides an online technology platform and patented client management system that allows real estate agents to provide their buyers and sellers the industry's best search experience, including real-time MLS data and public records, the ability to view their customers' search activities and collaborate with them online, and to easily and automatically provide other information and tools to help clients find the perfect home or market their property.Listingbook has 70 MLS clients and is available to 60 percent of agents nationwide.

Go to your public records to find recent nearby sales or go to site that compile that info:Zillow Trulia.

Imagine Europe as an example, they don't even have access to any public records, nor does a 1031 exchange exist as we know it.

Land trusts are an easy way to get around the seasoning problems where lenders or financing programs require you to live in the property for a minimum amount of time.

I'd say the banker is pulling your leg a bit, as the secondary market is practically a limited risk with quality originations, there aren't any specific program changes dictated by Dodd Frank but there are other things going on that make things tighter for lenders in compliance, underwriting, reserves and management.As to Fannie and Freddie, 95% LTV won't go away but underwriting may be tougher.

Craigslist is great but there are also several public information sources which I've heard that you can use to look up motivated sellers for marketing.

After my clients would select a loan program I would tell them who we were dealing with, "this loan is through Lincoln Services who will be buying you/or funding your loan" or whom ever or, I'd tell them it's our portfolio loan made by us/me.You may have to pay some fees up front in a commercial loan, get a break down of each fee and where the money goes and who performs the services required.Under the SAFE Act, a broker may not charge a fee for themselves, but they can collect appraisal, credit report or other third party charges necessary to process the loan.This goes to show that borrowers need to do their due diligence on lenders as much as lenders check out a borrower, especially if you're not walking into a bank.Sorry to hear your situation, good luck with the matter