Not former bankers.  

They've basically told me they build a great relationship with a local banker and they don't charge them all the fees I'm getting charged by my mid-sized broker in my closing costs2) When people are saying NO MONEY DOWN, are they really taking out a lien on properties they already have equity in (like the 2 i have with over $100,000 of equity)? 

As a mortgage banker, I often get asked about the Freddie Mac Small Balance Loan Program for Multifamily Properties.  

I initially heard about the company from one of their bankers who is a work associate and very sharp business woman. 

Do not speak to the residential mortgage reps there, only speak to the commercial or business bankers.

If you know a banker well at a smaller/local bank you can have them write a letter saying that you have funds available to purchase a home up to $XXX.

So if you talk to a banker, they may refer to NPN's as "Non-Accruals".

My bankers call me "investor with a conscience".  

I knew that they did that from talking with bankers,  but was wondering how it related to something I heard  from @Brandon Turner on a podcast.  

Our 3 bankers said most of the Covid cash is out of the market.