I've tried a few others since the new Buyer Select Program went into effect with HUD.

@Page Huyette you are making progress, but I'm going to encourage you to keep looking beyond these lender connections you've found because there are a lot of options out there and it sounds to me like you are letting their limited lending program box in your thinking about what's doable.

This one fits the bill.

I suspect many people, though, will be using "cloud" programs.

Land trusts are an easy way to get around the seasoning problems where lenders or financing programs require you to live in the property for a minimum amount of time.

I'd say the banker is pulling your leg a bit, as the secondary market is practically a limited risk with quality originations, there aren't any specific program changes dictated by Dodd Frank but there are other things going on that make things tighter for lenders in compliance, underwriting, reserves and management.As to Fannie and Freddie, 95% LTV won't go away but underwriting may be tougher.

After my clients would select a loan program I would tell them who we were dealing with, "this loan is through Lincoln Services who will be buying you/or funding your loan" or whom ever or, I'd tell them it's our portfolio loan made by us/me.You may have to pay some fees up front in a commercial loan, get a break down of each fee and where the money goes and who performs the services required.Under the SAFE Act, a broker may not charge a fee for themselves, but they can collect appraisal, credit report or other third party charges necessary to process the loan.This goes to show that borrowers need to do their due diligence on lenders as much as lenders check out a borrower, especially if you're not walking into a bank.Sorry to hear your situation, good luck with the matter

@Steven Hamilton II I am looking through BP right now for a CPA that may fit my needs.

It fit my hectic schedule the best.

I started in a business program after retiring from the military.