Many people use their realtors or someone a realtor suggests.  

2) If you ever had an FHA loan how did you go about getting into your second property with low money down3) Any suggested creative financing deals you were able to use to get first investment property?

However, their terms involve a 20-year amortization, a 5-year ARM, and a rate of prime + 0.5% thereafter.I’m exploring other options for financing and would appreciate any suggestions or advice.

I suggest you turn your moment into the best learning / earning moment.  

Are you suggesting the Regs would not hold up?

It's crazy to think some RE agents are suggesting owners to put their houses up cause fed funds reduced, they completely misunderstand but I let the market do what it does-- market.

I can suggest some other areas as well depending on where you guys are looking. 

I would suggest looking into syndications as well.

You feel you have to rebut my comment to bolster/protect your business that’s fine, but I would suggest you steer clear of exposing client financials unless your in the business of fighting legal suites rather than real estate. 

As I suggested, if you believe your identity had been stolen, please file a police report and we can utilize that to help convince the carrier to make a full refund cancellation request.I'm very sorry you decided you didn't want the policy after all, and in fact, Obie covered some of the fees from your pro-rated cancellation so we could at least always put the customer first--even in this situation.