If you don't like what they say, Call the next guy until you find the right product for your needs.

My cabin is on Lake Superior; very isolated and really in nature, I have a couple neighbors that are somewhat nearby but it's very private. 

We installed new more wind-resistant windows for the entire house, install a tankless water heater to accommodate the new jacuzzi tub and new bathroom and then we had to drywall all the ceilings, finish the kitchen, furnish new appliances, flooring, the framing and stucco for the new addition, sandblast and stucco the entire building to match the new stucco, filled about 6 40-yard trash bins before the project was finished and installed all Thermador products including stove $7,000, refrigerator $7,000, dishwasher $3500, Stove hood about $4,000 and we had to remove several trees and a few small structures to grade the rear of the property because behind the rear of the house was a steep hill prone to having a flash flood.Can you break down the $18,000 per day to remodel a bathroom by just changing the fixtures, painting, and a little tile?

Combine that with an overall lack of inventory in a lot of areas, and then natural occurrence is an increase in overall asking prices that will change your 'all in' % accordingly. 

When you start playing at making yourself more productive in “game mode”, it’s a lot more fulfilling.

Nonetheless, having the ability to shop for multiple loan products rather than being restricted to a limited amount of offerings via a direct lender is best in my opinion.

If you still with one bank, they might not have the right loan products for your deal.

You have to make a decision about what your ideal end product is.

Okay, I've got this other loan product which is backed by the Federal Gov't (the portion below 20% anyway). 

Be sure to consider properties with year around draw or make sure the seasonal nature can cover the payments in the off seasons.Here in Boise, Idaho; we have such a shortage of properties, I know people that have resorted to renting nightly rentals for months because they couldn't find anything else to rent or buy.