The loan officer is inexperienced or an idiot, go around them. 

My doctor helped wean me off the sleeping pills through a series of exercise, better diet, a reduction in alcohol and some natural sleep aids which include melatonin and Celestial Seasonings Sleepy Time tea, of all things, which includes valerian, chamomile and other herbs that promote sleep.For the first time in 15-20 years, I'm sleeping a full 7-8 hours a night, with no aid.  

Although I've done a lot of research, I'm inexperienced, and would LOVE some advice.I am in negotiations on two different properties, one a multi-family buy and hold opportunity (cash flowing like crazy), and another a pre-foreclosure (in a bad area).

When you are young and inexperienced, you are afraid to take risks (at least I was) .

I see your points.One of the things you might be running into is that the IRS's budget was slashed dramatically after the whole Tea Party/Non Profit debacle a few years back.  

For me personally I love projects and repairing things so flipping is what I love but for others they love finding the property and working to wholesale it, not my cup of tea. 

I'm not sure whether or not I would be too inexperienced to show up to some local investor meetings.Thanks BP!

I'm looking at a mixed use building with apartments and retail stores that are 100% occupied. the numbers look good so far but just hoping some locals/experienced investors in that area might chime in with any thoughts about the area as I'm very inexperienced with St.

@Jason Jones I have been to the Dallas REIA but it wasn't my cup of tea.

You might bump into some money guys there, know they aren't "private lenders" they are hard money lenders fishing in the waters.You'll also find leaches there, (not a derogatory term) it's very acceptable practice in RE for an experienced person to team up with inexperienced players to get a deal done, these experienced types just leach onto newbies and work deals, there are some who do nothing but leach deals providing themselves with more opportunities with less effort.