You might have better luck going with a mortgage broker who works with multiple lenders and is familiar with these programs.

Let's talk and do some business, there's multiple angles we can work together in. 

I'm heavily involved in the CLT market and anything you can get for $40k right now is a good buy. 

Two ideas:Solicit your list to see if you have buyers who will just pay you a "finder's fee" for a good buy & hold versus getting involved in the contract assignment or double-close process. 

Everyone is happy and it avoids extra costs involved with using Banks.

This is a pretty involved detailed question but they typically have a few metrics they lend on. 

So far the contractor has replaced a compressor (burned out) and the condenser (with a goodman rep involved, neither of which could figure out why as they are so reliable)New line set to go in today for $500who is liable for this and who can I talk to about it? 

I am looking to invest into a rental property (or multiple) and looking into financing options.I have 46k in savings and I also have the option of refinancing my current home and get 85k out.I'm looking at 2 properties; one is 150k close to where I live and it rents out for $1450/month and other is 108k in another market (3 hours from me, it would involve a property manager) and it rents for $1100/month. 

It is actually a better for your friend to have a signed rental agreement with the landlord, as it clarifies the terms for all parties involved.

I have managed several local investors in Memphis (My Home Town) that are currently working several different programs that have allowed them to grow their portfolio's of rental proprieties and flip multiple properties per year.