Occasionally I've seen bad cards that are nothing more than "James Bond, Man of Mystery" cards, which are just as bad. 

We have access to a discount properties nationwide, including non-performing notes occasionally.

I do see a 6-10 unit apartment buildings occasionally, where all units are 1/1.  

Bigger Pockets members occasionally meet in Denver.

HI Susan,Most of the investors I work with use 30 year fixed when it comes to residential buy and hold loans and some do utilize interest only but only subject a portion of their portfolio to the interest only ARM's while keeping the rest principal and interest.The issue comes up more when the borrower has maxed out on the 10 financed properties with Fannie may so after that we use portfolio financing from local banks but those are mostly principal and interest ARM's or interest only ARM's with balloon payments at the end.My first time buyers and second home/vacation home buyers usually use 30 year fixed with an occasional 5/1, 7/1 ARM if they are on job assignment or contract work for a defined period of time.

It would be great to have a local meet up occasionally.

Occasionally I will have someone ask for a significant reduction, utilities included, etc...

I have been interested in real estate for some 40 years when I acquired my first house and have been buying and selling properties ever since along with doing the occasional renovation. 

Lenders that I do work with occasionally that may be interested if a particular deal that you present is not appealing to me. 

Occasionally flirting with 10 year terms. :)