@Jason Mak I presume you are talking about a consumer loan, a purchase or refi for your personal residence?

I bought a property from the state highway dept. that they had bought for an interchange, but changed their plan and didn't need.In another muni, I bought several properties that people had donated to the town, but the town didn't need or want.I also have traded properties with muni.You have to contact each muni separately, each town, each city, each county, each state and talk to the person who would handle a sale of public property.In the smaller communities its a lot easier to buy something as there are fewer people who have to say yes.On the state property, a bill had to pass both houses of the legislature and be signed by the governor before I could buy the house.

Makes it a lot easier and a little less time consuming.

All this and prior posts being said, we're all just business consumers when it comes to education and training.

It is very time consuming to manage SFH projects and I'm at the limit of what I can do.

There are regs that you have to follow when attempting collection and foreclosure on consumer loans.

Multis will not be as uniform in construction as SFRs as there are fewer of them and they are often built years apart.Sure multis built by the same builder and/or around the same time could be similar/identical ... so estimates/actuals from one might be portable to another.

Does anyone have a fee agreement that they use that they would be willing to share.I have been doing multiple deals with a buyer and its time consuming and not efficient to have him sign a new referral contract for every deal I bring him.

They just don't have the infrastructure or systems in place to meet the needs of the typical business operation (they're geared more towards consumer loans and such), but I think some credit unions are better at this than others.For the purpose of getting mortgages and the like, I think it's hard to beat what a credit union can offer.

Of course, Cali has some more consumer slanted laws, so who knows there.