Don't look just at the loan terms, but also the origination, title, appraisal, doc handling and everything else - that's where additional profit is made that you can cut out.Everyone's entitled to be compensated for their work ... the trick here is to find a way to not require someone's services so there's no additional compensation needed.As an example, one lender will charge $395 for an appraisal here locally.  

One good marketing trick is to market "1 month free" and offer the 13th month free on a 12-month lease.

One trick to finding such attorneys is to compile a list of public record closings (the recorded deed) of non-bank financed lenders then contact them for future closings.

Also i would like to find deals straight from the owner in hopes of getting seller financing for the first 5 at most years.Any tricks and tips that you use for yourself if you look for deals straight from the owner as well?

Miami is a very trick city and you must be very familiar with the major markets and sub-markets to succeed.

Check out my blog posts for tips and tricks with working with a VA!

That is the window in which this trick of theirs happens.  

It does the trick when you dont have any other salt available.

@Patrick McGowen,Also the bank might see the trick you are using and decide not do anymore business with you, and then you need to ask yourself was it worth it.

My question is, are there any 'tricks of the trade' so to speak, to bring this floor to level on a budget?