That being the case, one thing you need to look at is which liens are junior to yours and which are senior. 

Its more like 40% down for Canadian citizens and that to just 3/5/7 yr ARMs.

For instance, our ground up Hyatt House development we are doing with a family office(actually out of Minnesota) where they are supplying 92% of the total cost with 62% debt(interest 7.5%) and 30% senior participating equity.

Citizens Bank in Edmond is a great local bank with low fees. 

like I mentioned before I'm an international student and not citizen of the states.

There is not a single one of their executives, VP's, Senior VP's, or CEO's who did not start at the very ground level.  

I've actually been interested in investing in real estate since I was a senior in high school trying to figure out exactly what I wanted to do for a living.

The CPCU is the same designation that a Senior Underwriter has.  

However, you don't want to be considered as having committed elder abuse by taking advantage of a senior. 

Currently a senior systems and network analyst in automotive manufacturing for the past 11 years.