My banker friends tell me that the regulators are being strict on the banks and requiring more capital for *risky* loans.

Loan Officers (losely defined term) = Mortgage Loan Originator.Mortgage Broker, hires originators and brokers the loans from the public to mortgage bankers/investors.Temp.

So were the smaller banks banker misinformed ?

As far as your future credits go, I would talk with a local community banker (in Louisiana I can recommend a few) and make a plan of what you'd need to do in order to qualify for a HELOC or a business line of credit (given that you have an LLC for these rentals) or something like that.

Gotta keep in mind that these guys aren't bankers, they also started out as investors, flipping and BRRRRing houses, and they know what they are talking about when they go walk your property. 

Account Closed  the other one I like is the car industries..  0% financing for well qualified buyers.in the commercial banking world well qualified has fico score way down the list.that is one thing that newer investors who run around with their 800 fico don't understand.a fico won't pay you back when your deal turtles and that is what a commercial banker is looking forCharacter ( at least as it relates to the bank how well do they know you and trust you) and this takes years in many instances to get with the bank..Capacity how deep is your balance sheet and how long is your track record... one flip aint going to do it.Credit  fico  cash on hand  how do you handle your business affairs.. its kind of in that order at least from the commercial banks I have been fortunate enough to get credit facilities from.. and only one would give me a TRUE unsecured LOC. 

If ur ok w the homes condition and still want to purchase it I’d recommend speaking w a community banker.

So my question is specifically as a agent, builder, contractor, banker, financial advisor (truly anyone can be a source of referrals) how would you like to be approached? 

I go to many websites like loopnet.com, Marcus & Millichap, Coldwell banker and ask to be put on their email list.

Hey Alice,If your working in San Francisco, here are the top brokerages off the top of my head:Vanguard PropertiesZephyr Pacific Union ClimbCold Well BankerParagonKeller Williams (new)Engel & Volkers (came back)Century 21 (west) Barbagelata (west)I think Keller Williams, Century 21, and Coldwell Banker are the only brokerages to also be found on the peninsula.