The buyers are a group of 5 people, and split their profits among them, plus hire out construction, broker etc., and get loan.

Geoffrey,Basically, the broker is the one who has a relationship with the client (the buyer or seller).

Asking what "programs" might be available will only get you what hard money lenders are doing or what brokers will be offering, that's not true private money.If your grandmother has a friend willing to lend you money you need to strike your deal with her.

This wasn't even a question with my first two properties, but after a few more calls to other insurance agencies AND going through a broker, I found that ALL were demanding the same policy.

Work from both home and out of my Broker's office.

I tried to refi under HARP 2.0 from 3rd party brokers and through Quicken on my own with no luck.

I know about a dozen commercial brokers; Since this will fall under commercial.

Local brokers however, would quote me wider by 0.125% - .25%.This is all 30YR fixed quote.

Assuming you can get an appraisal at the price you're purchasing (not ARV - if you want to borrow against ARV, you will have to find a HML or a broker who lends from private investors), some banks don't do small loans or charge some extra points for loans less than $50K etc.If you have fewer than 4 mortgages, one bank to try is Regions Bank.

I personally when wearing my broker hat used to give my new owners a complete amortization printout and told them to draw a nice red line through each payment as they made it and then told them whenever things were good write a separate check market to be applied to principle on loan # (for the principal to be paid on the next payment) and draw a red line through that one.