If this is the case should I find another banker and if I do how do I go about it without running my credit multiple times, further bringing my fico down?

Multiple (around 3) thinner coats of finish is better than fewer thick coats.

By the time she was 18 she had endured two separate 3-year stints with braces, multiple oral surgeries and implant surgery.

Allow for multiple appraisals with an appraiser (or appraisers) of your sole choosing.

Unfortunately, we've seen multiple bid scenarios with each property so far--and haven't gotten that first deal.  

Around here, the only property - other than vacant land - for sale under $100K is either a dilapidated 2-bdrm "shack" on the outskirts of town (and it's listed at 89K) or an old house in a very rural setting.Even bank repo "Johnny Canuck" house {65 - 70 yr old, 1.5 story 2-3 bdrm houses built by/for returning soldiers after WWII} full of deferred maintenance are going for $135K {two in the last two weeks}.The 30-40K houses and 89-100K 4-plexes you read about on Bigger Pockets is what is enticing investors here to look south (sometimes even further south than the U.S.A).If I had enough cash-on-hand to be purchasing multiple 4 - 6 unit properties outright (at 250-500K a pop), I'd be in the private lending business and not the buy-and-hold business.

I know you can do multiple properties in a 1031 exchange but I don't know specifically if there is a limit.

got my first target area list for my first letters to be sent, and i've read multiple time about sending to a particular list multiple times in a few months span. do you update the list after 3,4,5 direct mailings or is it a certain amount of months/year(s)?

I think I have a pretty good insurance man here in the DFW area...has really saved us some money on our properties.Try Ryan Morgan with TWG Insurance...214-838-5408...He works with multiple carriers....good luck.

Versus investors who are numbers-driven, make decisions a lot faster, less hand-holding, and a lot of them pay cash (not all) so the providers are able to sell through multiple houses more in the same period of time than with primary homebuyers and with a fraction of the hand-holding headaches.As far as the markups, I wrote an article about my take on them0http://www.biggerpockets.com/renewsblog/2013/02/16/turnkey/