This is not legal advice, but one alternative is that the loan documents simply give him a limited power of attorney to sign the deed in lieu on your behalf if you default (rather than you signing and him holding deed in trust).

Cash for downpayments will not be an issue, though limited credit history may (good credit, just limited since I have no mortgage on record).My main questions are:1.

@Page Huyette you are making progress, but I'm going to encourage you to keep looking beyond these lender connections you've found because there are a lot of options out there and it sounds to me like you are letting their limited lending program box in your thinking about what's doable.

Also very interested in learning about financing options and how to limit credit score hits with new utilites and loans.

Don't confuse flat fee for limited or listing only services.

After the time limit you'll see it says "update" you can put info there and it will show up in a separate sentance under your original post so other people will know what you added.

I tried rentometer, as well as rentmetrics and zillow but their estimate seem too high based off of craigslist and my own, admittedly limited, experience.

Different markets are better or worse for those investments - Birmingham is great for SFR, but the B-class cashflow MFR market is pretty limited, for example.

Hard money comes from companies who lends money at higher interest rates than normal for a limited amount of time.

I'd say the banker is pulling your leg a bit, as the secondary market is practically a limited risk with quality originations, there aren't any specific program changes dictated by Dodd Frank but there are other things going on that make things tighter for lenders in compliance, underwriting, reserves and management.As to Fannie and Freddie, 95% LTV won't go away but underwriting may be tougher.