Speak with a bank to make sure you have funding lined up, as to not waste anyone's time.

I need help and advice about choosing a lender to finance this first house I have a great really good credit score, and the job I have been offered in Charlotte pays well so the banks like that but I do not have very much money to put down.

100% bank financing including improvements.

Apply for a traditional bank refinance after 6-12 months5.

Apply for a traditional bank refinance after 6-12 months5.

There are a few large buildings on the market owned by the same owner that are fully priced with no movement to little movement on sale price.When refinancing, the banks/appraisers usually undercut your value to be conservative.

All seemed fine for about the first 18 month, but then I got an emailed letter on Dec 23rd from the lender that we were in default (informational - unbeknownst to me the sponsor was hiding from the bank.)   

Then you put the sweat into this Boston property and as it appreciates you use this as the bank account to start buying or BRRRR'ing out of state.

For the past 3-4 months I am finding that the banks are paying prices that simply don't make sense.

there are a lot of non QM mortgages available that only look at bank statements.