Now I focus more on that and if someone calls to say they have 40 acres for sale, I shorten the phone conversation because...

I have a few leads now but next step is finding a private lender.

Here are some recommendations for you:Read Beginner’s Guide: http://www.biggerpockets.com/real-estate-investingCheck out BP Podcasts: http://www.biggerpockets.com/renewsblog/category/podcast/If you wish to tag someone in the conversation on the forum, type @ followed by their name and then select the name of that person which should appear below the comments box.

If they get disrespectful, end the conversation and offer to discuss when they calm down. 

You could do well as a private lender with those funds.

I have the opportunity to move this business loan to a private loan which is a 30yr fixed at 4.375%.

If more information is needed to help answer the question, I can provide that in the forum or through a private message.Thank you.

(They wouldn't approve a leave but were more than happy to have me back and my boss literally told me not to pass up the opportunity but for corporate reasons would not be able to accept the leave) So question is do you think a bank would lend to me and if not what sort of deals do private lenders offer ? 

I am gearing up to close on another deal, this time using private lenders to provide a large portion of the down payment. 

Your "go to" realtor can easily give you a good title rep to speak with as well as private money lenders, real estate attorneys etc.