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Here are a few recommendations for you:Find and connect with other BP members that are in your area http://www.biggerpockets.com/meet Set up keyword alerts to be notified of the topics that interest you http://www.biggerpockets.com/alertsIf you wish to tag someone in the conversation on the forum, type @ followed by their name and then select that person below.

Therefore, think though how you can position yourself as a closer prior to having conversations with brokers. 

In casual conversation in order to encourage me, they told me they had minimum cash for a down payment when they purchased 11 years ago but their good credit and a great mort broker still got them the loan.

Conversely if you can get 2 to 2.25 increase then the blended cap will rise nicely over time.

I have a telephone conversation with new potential client

So, before you fill out any loan applications or run your credit, it's important you have a conversation with the loan officer of the bank and ask what they offer.

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I don't think I'll wing it next time and have some sort of a pitch in place and know what I want specifically out of the conversation.