The projections your bank will make and DCR they require, tends to push your loan amount down.

My bank doesn't have them. 

The rents in there may currently be too low to warrant development and construction of a nice, new 15k SF building now, so I'm looking for ideas for land banking with cashflow.

I’ve done about 6 refi’s thisbyear and each time the appraised (bank value based of comps) has come back about 15-20% higher than the assessed tax value.

We have about 13 rental props from single fams to a 4-plex here in OKC. We are looking to switch ins cos and wanting to know who other investors use in the area. We are not looking for a "budget" company because if we...

I'm currently communicating with a local large bank, hoping to get a loan to payoff a current terrible mortgage on my house, rehab, and probably flip. 

However, I am finding through my talks with some lenders that, since I am still relatively new out of school and have multiple student loans (although I have great credit), my saving grace in terms of getting a loan to fund my first deal is the salary my day job pays me.I know that real estate isn't a get rich quick scheme and that I will probably have to stick out my day job for a couple more years, but at what point do you see banks, lenders, etc. start to give you loans to fund deals without a steady stream from a corporate job? 

Should I go thru a bank and try to get approved for a loan?

I just realized I never followed up on this... after some shopping, a local bank was able to do 5.35% back in May with a 45-day lock.

I am having trouble with someone who would do the deal with me, I have excellent credit, a good salary, just curious if anyone has a bank or credit union or work with.