She had a product to fit their needs and informed me of the 3% down conventional option.  

My team and I are trying to test a product that will help bankers, lenders, and brokers on their underwriting and credit analysis of a borrower and their investment.

I bought my first 4-family in 2012 with an FHA product.

The bank has slowed down its lending in the market as to this product and is considering the requests based on the value of the deposit relationship.

But, based on blog posts and info products from Seth Williams, there's another piece: He said most states have a "supporting documentation" form (the name is not consistent) that tells the city or town the property is associated with that the transaction has occurred, and it essentially allows them to adjust who the tax bill will go to.

. - I know several , what sort of product are you looking to have managed?

Since this is a "major defect" found during inspection, am I due the EMD back?

If they are not motivated at all you can remove them from your marketing list essentially eliminating 6 more failed mailings. 3. close a deal on the spot. 4. learn their situation and build a rapport for a future deal or suggest a different product/option.  

I shopped pretty hard on my Refi and found 3 main products....5/1 ARM (lock at 4.25% for 5 years, then review, $2500 origination) Interest only (wasn't interested as it didn't align w my longterm goals), and a Fixed Product (15-30 yrs. high origination costs).

More complicated product but if the property needs a lot of work you will not be able to purchase without it.