I don't consider it a harsh at all to pose what are very legitimate reservations.  

As I see it you are not clear on what you want so you don't really know how to evaluate it.You need to know, is it a legitimate 2 unit buildingWant are the rents, both in current condition and in fixed up condition.

If so then good luck trying to get a legitimate answer as to what's causing the holdup.Most of the Loan Originators in my office were with one of these big banks for years and finally decided to leave because they just can't close loans in a reasonable time anymore.

I'm going to disagree with this to some degree...There are legitimate reasons to downgrade a home -- anything from new financial situation (where you plan to sell the original, nicer home) to new family circumstances (kids went off the college and don't need such a big house).Lenders will certainly scrutinize these loans more, and they will likely ask for justification of the purchase (perhaps even a written letter indicating that your intent to really move into the new property), but if you can reasonably justify why you're downgrading, the big lenders shouldn't have a problem with it.

But there are legitimate private lending groups that are providing badly needed private and hard money loans to European investors and others who are unable to get bank loans.

Any buyer you bring to the table, who plans on legitimately purchasing the property, will likely want an Owner's Title Policy for themselves.

I see a lot of parallels with the information I'm learning in RD and the information here on BP, which validates the information that both venues provide.

AirBnB and VRBO units near sports venues and convention centers are suffering, but my friends with ski condos, mountain cabins and units near Moab (AKA 4X4 Heaven) have had record bookings since June. 

It is very rough and legitimately no better than a "D" caliber area, though being closer to St.

I really would like my first purchase to be a great legitimate deal.