Wildly varies.Would focus on the asset type, deal size, and location you are wanting and then find out what lenders specifically underwrite for.Example mom and pop retail under 1 million is usually local bank.

I am not saying they are all scam artists but please run your numbers and look closely at the market before committing to anyone or any area. 

The biggest difference is the legal veil that I would need to protect myself in case of any legal issues that may pop-up in the future.

You know how when you take a teenage girl to a pop concert and their favorite guy comes on stage they have a melt down of jumping up and down screaming? 

But right now we are having 2 potential tenants who are both mom and pop  (for the same unit) so they are about the same in term of credit worthiness that's why I only need to look/compare the rates for now. 

They are also charging $100 a pop now, and one threatened to quit over it.

This park is very mom and pop run.

There is no "right person" or "right department" for REO unless its a one branch mom and pop bank where everyone does everything and if its a HUD home, that theory goes out the window.So, if HUD, the government owns it, not the bank.

Great deals pop up frequently, but go fast.

This goes to the "investor friendly broker" discussion that pops up on BP now and again.