Actually, Frost Bank does a great job when your portfolio grows and you're required to transfer to commercial lending.

Got to try some out to see what works.Bank-owned properties and pre-foreclosures are a little more challenging unless you are also a cash buyer and can immediately transfer.  

I would also research how the transfer of deed will affect your title insurance.

...not sure if putting it into an LLC is a 'transfer-taxable event' and if so, what number is that based upon?

The bank i deal with is in PA, 3 hrs away, everything i pay is online, utilities, mortgage etc. what i would do is open the business checking account at the bank you get the loan from. this way if you need to pay the mortgage you can just transfer the payment from your checking. as far as depositing, most banks now have an app to take pictures of the checks for depositing.

What will be needed is your employer to verify the transfer from CA to TX.

I'm not interested in becoming an agent just to get access to homes, but I also don't want to waste agents time getting me into houses since I go see so many and coordinating times with an agent becomes a headache.

Most plans have a provision that if you want to pay it in full, you have one chance by either sending in a certified check for the funds or by ACH transfer from your checking account.The danger with this strategy is if you separate from your employer (quit, get laid off, etc.) then the loan must be paid within a given period of time (30 days) otherwise the outstanding balance of the loan will be considered a distribution and you will be taxed on the outstanding loan balance and you will have to pay the 10% early withdrawal penalty if it applies.

., transfer some or part of your existing employer 401k), one way of determining if your current employer will allow you access your retirement funds while still working for them, is to check the summary plan description (SPD) for the existing plan.

What I mean is, if you start with lender A, and get an FHA appraisal for the HECM, then decide to change lenders to lender B, you'd have to arrange a case transfer.