Using a smaller bank or credit union is the way to go.Being that you have been in business for 10 years I am VERY surprised your business banker can't help you!

I'd be very surprised if they would consider a less than total deal, unless they're really desperate.

Although the list may seem intensive, I look at it like this: The total cost of all these items can be much lower than the cost to repair a hidden surprise after purchasing a property to flip. 

As another poster mentioned rates are lower than they've been in the previous 18+ months but unless some very surprising economic data comes out between now and when you did your refi it seems unlikely that rates are going up in the short term and there is at least a decent chance that rates drop a little more before then. 

I'd be surprised that you couldn't find several HML with that record, assuming you haven't defaulted.

At over 4000 sq ft, I'm surprised you won't be able to list for a much higher number to net a decent profit, but without knowing more specifics on the house and location, I am speculating here. 

They rejected my offer; I was neither surprised, hurt or insulted by the rejection. 

With all the resources available today to research and learn about the industry, I’m surprised this “easy money” mindset persists.To me, real estate is far from passive or simple.

I am pretty much expecting red tape but hoping to be surprised. 

He was surprised and when I asked him if he thought it was a big deal he told me: NOT AT ALL!