Hi BPers,Has anyone seen better terms for multifamily lending than 20 yr am fixed, 80% LTV?

Look into getting with a lender that does portfolio lending.

I found a place and have a contract haven't sent back the Signed "Contract for sale and Purchase" because the lender I was going use told me today he doesn't lend in Panama City for some reason so now I have to find someone new.

Pacific National LendingHas anyone worked with them? What was your experience?

There are specific rules that must be followed, but you can do some neat stuff there like lending to flippers.

They will only lend to me personally but not to the LLC which I'm pretty sure will be a problem due to the IRA rules.

I agree that banks wont lend without seeing the property but is it possible to be done within the 30 day? 

@John Arendsen  no mystery to CF on the debt side they are just HML  and if you equate it to CA lending rules were your allowed to fractionlize DT's they are basically doing the same thing pooling investors into a debt instrument. . they get rewarded with the points and servicing fee's.

I work for a fee-based management company overseeing institutional investor assets, this one in particular is 650+ individually leased bedrooms with all the trimmings.

They are very different in all other areas, rate is not the key difference.Rent to own (owner financing) lending to tenants is usually an option fee of 2-5k and market rent rate less 50-$100 dolllars.