Oh, yeah, he also identifies his “bias” as full disclosure.The biggest “annoyances” to me are1- people with 1-3 posts aggressively supporting some guru and attacking people posting negative experiences with said guru2- people pushing their offering only and not engaging in any other discussions3- people participating in forums with a “hidden” agenda or undisclosed bias.4- people asking simple questions the answers to which can be easily obtained with a Google search that they’re too lazy to work5-  salespeople that disguise their product to look like something else, fudge the “numbers” to show an inaccurate comparative return, name the offering “infinity (something) and claim it eliminates taxes, provides liquidity, replaces your banking institution, and creates a “wealth cycle” in a formula used by from Rockefeller to Musk.  

Whenever I am having an issue with financing, I normally reach out to local institutions.

I noticed many investors us VA loans, is it worth serving in an institution just to gain the ability to use a VA loan?

I have some experience on the institutional side.

See what different lending institutions have to say about my situation?

Specifically, I'm interested in pursuing a cash-out refinance to leverage the equity in my investment properties.If you know of any reputable financial institutions in the area that cater to investors like myself, I'd greatly appreciate your recommendations! 

We usually don't go with those institutions anyway...but your tenant may not know that.  

You never know a person's situation.A couple other reasons why a person would seller fi:1) they have had other offers "fall out" due to any number of issues with financing2)  they have a "unique" property, which may be difficult to sell using institutional financing.

As lending institutions have been in the rhythm of loans being repaid frequently on commercial notes, borrowers are scrambling to perform on their side of the bargain.

.- As far as the fees go, UW fees are usually a standard but again, the origination is derived from the loan amount so some institutions who are charged borrower paid may hit you with a 3% fee.- Not saying it is an industry standard to charge 16% in closing costs but it once you add up all of your prepaids, other costs, and unfinanced fees its not completely unheard of.In the end, yes - always get a second opinion.