Does anyone know a reliable and flexible portfolio lender in Phoenix, AZ that you can direct me to ? 

Someone with whom you've directly worked with or heard is a rockstar in the area.

Auction.com (https://www.auction.com/lp/learn-more/) gives information directly on their website.

Or if seller has multiple listings and you can buy them all.Example I bought two half duplexs (both sides) were being sold by direction of court.

Meaning we don't compete against each other directly, so there is no real market force that would make them act differently due to some competition environment. 

This was unexpected because, even after the initial introductory period was over back when I first obtained the credit line, the bank continued to offer the 0% promotions again and again for years.

Then you can take action in a specific direction. 

I have done some direct mail, but it seems to be pretty ineffective to me, it is much easier building clients organically by networking with people in your real life, joining meet up groups, and just talking to everyone about what you are doing.

@James SyedI worked with the VP & Branch Manager of the Rock Hill location, and he directed me to the right people after that.

In this market, however, there’s not a lot out there so some people are using direct to seller marketing and are finding success that way.