Hey @James Thompson Such a personal question, but coming from a realtor and investor in FL, most of our markets are pretty depressed and therefore finding lots of great buying opportunities now.

A great way to network and meet people in your local community is to attend in person meet ups.

Tenant still seems to believe I am responsible for their personal items.

The challenge that many borrowers run into when looking for larger equity lines with limits  of $250k+ is that they typically require full income verification (not always bank statement and DSCR exist) with lower DTI ratios (43-50%) however although the repayment scheduled is based off a simple interest only payment, (usually a 30 year amortization schedule with the initial draw period of 5-10 years) the qualifying rate is based off of the converted twenty year amortization schedule (240 equal installments) of the payback period.

If its a new building then its sometimes more if the banks are breathing down their necks.

I did have problems with the guy removing the limbs because he told me he would be there at 7:30 the next morning and I told him that would work but My Ford f150 truck was dead so I couldn't be there till 7:45 but once again he was calling me like I took his money and someone was trying to steal from him but my husband misheard what i told him to pay the guy and had to go back to the bank Atm but of course my husband actually went to his bank atm which was in the downtown Jackson area when he could have went to the one around the corner but he said the people were still getting the tree limbs when he came back and they received there $450.00 and my husband received the $15.00 in gas money he requested for doing this for me on his time and it was raining that day as well.

They are Security America Mortgage and Capital City Bank.  

I would keep as is personally. 

They seem, at the surface, to be a logical instrument for long term incentive alignment, especially in today's market. they are still done all the time. actually seeing more banks do them now because they want to lower their risk. 

Can anyone help me understand what types of loan options are available to me and which banks are investor friendly?