Like everything else in Real Estate, you just need to negotiate the terms, length of loan, interest rate, early payoff, etc. 

I called and asked if it was possible for me to speak to the board and she said no but the president of the bank was willing to meet with me.

These forums are a great place to learn and meet people, whether you're just starting out or you're a seasoned investor.

So like the majority of investors right now, it has hard for me to find cash flowing rentals due to appreciation + high interest rates. 

I'd try to go to ALL the REIA meetings within those 2-3 hours, and see what other folks are doing.LTR vs.

The gov signed into law some legislation that is unfortunately good for insurance companies/bad for anyone making a claim but that brought companies back in the market at the increased competition drove the rates down.

I do actually offet an hourly rate, but it is $350 an hour.

@Joshua Kotani come join us at the next meetup and meet all the investors you need to become successful.OC Real Estate Investor Networking - Tax Tricks Every Investor Should Know (biggerpockets.com)Good Investing..

And what are the rates now for dcsr loans? 

You will get a better rate and terms, experience, and a faster closing going wholesale than you would going with a retail lender.