thanks great advice.i was curious because some investors recommend interest only mortgages to grow a portfolio faster but i just can't get past the loan to value ratio not changing at all.i like debt as a tool for growth just don't like it hanging over my head for THAT long.

and we are heading towards closing.

I used SO much advice from people that responded to my questions that I should of been singing in my head "We are Family.."!!

Head further west and more rural.

If there is one thing that I learned about RE is that you don't EVER want a balloon payment which is very common with commercial loans.....In bad times, if your property dropped in value, and you can't refinance it, you are heading right to foreclosure......

You'll just have to head inland.

For my corporate job I use SAP which would be overkill for a much simpler business like Real Estate at least from the accounting perspective.2) Is there a BP post on process flows (infographic) for deal aquisitions that way I can wrap my head around whatever methods of deal aquisitions exist?

I will be sure to do that, thank you for the heads up.

Eastern Savings bank is one that I can think of off the top of my head.

Id ask them to have a head underwriter review or have a different processor comment because although I'm not a residential lender I'd venture to guess that the actual guidelines state what is based on the credit report.it could however be an overlay that they are doing right now just being more conservative.