But I understand that your comparison wasn't doctors and bankers....  

I try to chat with a banker each week.  

In one case, two guys from Indonesia, one who completed his MBA and working as an investment banker, didn't know how to use shower curtains, causing a flood downstairs every time they shower.

FWIW, your banker should be giving you options as to what they can do to help.Hope that helps.Jim

Their customer service is a joke too, the call center people offer products that won't even work in CA, and the local bankers only sometimes call me back. 

Our current crews have over 25 years of construction experience in DC, and I am a commercial real estate developer, and was an investment banker on Wall Street in various capacities, and my partner is a real estate agent in Pennaylvania and Maryland.

Maybe ask your banker to take a look into that.

I met with a banker and learned that in my county, your primary residence is taxed at $800 per $100,000 of appraised value, but a property that you are not living in, ie. your rental property, is taxed at $1600 per $100,000 of value.

the whole idea behind "good credit" has been pumped into the human psyche so that bankers and bank owners can get rich!!

Your community banker is more adroit and fully analyzing your returns adding back into your earnings your depreciation..