Commercial Capital Limited advertises foreign national loans. 

While two reps from the same firm will quote you the same rate, their ability to execute the loan can be night and day different.In regards to pros and cons ... think of the lending world as falling into 3 primary buckets: 1) traditional banks and credit unions (ie, Wells, BofA, Chase, etc), 2) mortgage banks (ie, Caliber, Quicken, Fairway, etc), and 3) mortgage brokers.Traditional Banks: (they do loans and hold deposits)Pros: because they tend to do such a large volume of loans, they are able to offer low rates ... they have the ability to do portfolio loansCons: very slow turn times - if you need to close quickly, they're generally unable to perform ... they tend to use national appraisal management companies and appraisal issues are common in competitive markets.Mortgage Banks: (they only do loans - no deposits)Pros: have the ability to close loans much faster - some of the local mortgage banks that we work with on purchases will routinely close loans in less than 14 days ... they often setup their own appraisal management companies and are able to improve the appraisal quality by ensuring the use of local appraisers.Cons: while they should be very competitive with their rates, they're not going to be the absolute lowest ... portfolio loans are generally not an option - they need to sell their loans right away so they can get that money back to lend it out again.Mortgage Brokers:Pros: they will have access to a bunch of different lenders and loan products, so they can submit your info to whichever one is offering the best terms at that moment.Cons: they have no control/influence over the underwriters or the timeframes ... they're generally forced to use national appraisal management companies, so appraisal issues are more commonHope this is helpful and good luck with the refi!

Aloha BP nation,Earlier I used social media sites to get recommendations for local contractors from local people. 

I love BP Nation!

Currently a member of Illinois Army National Guard.

This can range from local real estate clubs all the way up to multifamily specific events such as the National Multi Housing Council’s annual meeting.

- Pension Real Estate AssociationBerkadia - 2019 National Apartment Research Report - click on "Forecast 2019 Book"

This is just over 3% more than the national average of 6.2% vacancy.I would simply use that 9.3% in my pro-forma for my vacancy assumption instead of the conventional 7% and see if it's still cash flowing. 

Interesting enough I'm seeing the local NABOR representatives on the news talking about how different the swfl market is from the rest of the nation and how great things are.

What brick and mortar national banks if any are best for starting a relationship with (business, personal accounts, making my primary bank)  in hopes to refinance my first BRRRR and hopefully many more down the road?